OffTilt is the personal finance app built by Canadians, designed for Canadians. Simple enough to actually use, powerful enough to cover everything — budget, net worth, transactions, mortgages, and goals — all in one place. Your data stays in Canada.
Built in Canada. Data stored in Canada. Always.
What's inside
Stop juggling five apps that each solve one problem. OffTilt covers the full picture.
Set budgets by category, track actuals in real time, and see exactly where your money goes — weekly, biweekly, monthly, or annually.
Your full financial picture in one number. Accounts, investments, manual assets, mortgages — all calculated and charted over time.
Import via CSV, connect your bank directly, or enter manually. Auto-categorization learns your patterns. CIBC, TD, RBC, BMO — all supported.
Canadian mortgage math done right. Semi-annual compounding, CMHC insurance, amortization schedules, prepayments, and renewal tracking.
Set savings goals with target dates. Track your pace, see projected completion, and know at a glance whether you're on track or behind.
Connect your accounts via Plaid for automatic transaction sync. Prefer to stay manual? CSV import and manual entry always work without connecting a bank.
Privacy first
Most personal finance apps are built on surveillance. Your spending habits are the product — sold to advertisers, insurers, and data brokers.
OffTilt is different by design. We're a Northern Dread Inc. product — a small Canadian company with no investors telling us to monetize your data. Our business model is simple: you pay for the app, we build the app.
That's it. That's the deal.
We're building something honest: no ads, no data selling, no dark patterns. Just a personal finance app that works for Canadians. Core features are free, forever — bank sync is the only thing that costs anything, and founding member pricing is locked in for life if you grab it now.
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