Your accounts, in one place.
Link banks and cards, add investments, or enter an account by hand. Every balance says whether it came from a live feed, a statement or you.
You don't have to guess
about money again.
OWN brings your bank accounts, cards and investments into one place, reads the statements you upload, and lets you ask Atlas about your own numbers in plain English.
The OWN app on a sample household, for illustration. Figures are not real member data.
How to start with OWN.
Connect what you can, upload what you can't, then ask Atlas about your own numbers.
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Connect your accounts.
Link your banks and cards through Plaid, or upload statements from any bank. Your login stays with your bank. OWN never sees it.
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Upload a statement.
Drop in a PDF. OWN reads the balances and transactions, files them for you, and shows exactly what it read.
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Ask Atlas.
Open Atlas from any page and ask about your own money. It answers with your figures and the math.
Clear decisions start with your own numbers.
OWN gathers your accounts, reads what you upload, and shows where every figure came from.
Statements, read for you.
Upload a statement and OWN shows what it read from it, like balances, transactions and the statement period. Anything it can't date is left out rather than guessed.
Every category, explained.
Tap “Why?” on any transaction to see what decided its category: your rule, the merchant, your bank or an AI suggestion. Then make a rule for the next one.
Know where you stand.
Answer in plain English.
A short guided questionnaire, five areas long. Estimates are fine, and it saves as you go.
One rating, out of 100.
Strong, could improve or needs attention. It's based on your answers, not a credit score.
AI explains. It never scores.
OWN's engine sets the rating. AI writes the plain-English read of what moved it.
From spending to saving.
Plan one month at a time.
Set your income, fixed bills, savings and set-asides, and OWN shows what's left to spend. It never proposes an amount. The plan is yours.
Review what OWN wasn't sure about.
When OWN can't categorize a transaction with confidence, it says so. Fix it once, make a rule, and the next one files itself.
Across your banks & accounts.
Connect accounts from 50+ Canadian financial institutions through Plaid, or upload statements from anywhere else.
Institution count per Plaid, as at July 2026.
Your money.
Your control.
Read-only access, encrypted in transit and at rest. OWN never sees your bank login, does not sell your personal information, and does not use your documents or financial profile to train general AI models unless you give explicit opt-in consent. Export, unlink or delete it whenever you choose.
- Read-only access
- Encrypted in transit and at rest
- OWN never sees your bank login
- OWN does not sell your personal information
- Export, unlink or delete it whenever you choose
How OWN helps every day.
“How much of this paycheque is already spoken for?”
Fixed bills and planned savings come off the top, so the flexible number is what's really left.
“Did we spend more than we earned this month?”
Income, spending and net cash flow side by side, with transfers between your own accounts left out.
“Can you file this PDF for me?”
Drop it in. OWN reads the balances and transactions and files them to the right account.
“What would an $1,800 laptop do to this month?”
Atlas does the arithmetic against your own budget. It lays out the options, and the choice stays yours.
“Why is this filed under Shopping?”
Every transaction shows what decided its category, and one tap makes a rule for next time.
“Which part of my finances is weakest right now?”
Five areas, one rating out of 100, and the figures behind each one.
“What's in my retirement account, and how has it moved?”
Holdings, market value and unrealized gain or loss across the accounts you've added.
“Can I send my accountant one clean document?”
One report with net worth, cash flow, budget, investments and transactions. Print it or save it as a PDF.
“Show me everything in US dollars.”
Switch between Canadian and US dollars, converted at the latest Bank of Canada rate.
Free to try.
Honest to keep.
One plan, one price. Try OWN free for 14 days with no credit card and no auto-charge. After that it's $10 a month. $10, not $9.99.