Momentum
by Findn Solace
Personal Financial System
ENCRYPTED · OFFLINE

Dashboard

Your financial snapshot

Net Worth
$0
Assets minus liabilities
—
Monthly Income
$0
Planned this month
Monthly Expenses
$0
All categories allocated
Residual Buffer
$0
True leftover after zero-based allocation

Credit Scores

View Profile →
—
Equifax
—
TransUnion
Total Credit Utilization
—%

Monthly Allocation

Budget Detail →

Debt Payoff Progress

Full Detail →

No debt data entered yet. Go to Debt Manager to add your accounts.

Wealth Building & Pay

RRSP (Monthly)
$0
+ $333 employer match
RRSP + DPSP Balance
$0
YTD growth tracked

Next Pay Dates

Financial Analysis

Enter your budget and expense data to generate your personalized financial analysis. The system will evaluate your income-to-expense ratio, debt trajectory, credit utilization trends, and RRSP contribution pace relative to your $145,000 salary profile.

Monthly Budget Tracker

Planned vs. actual — zero-based allocation system

—
Overview
Income
Expenses
Repayment
Savings & Investments
Total Income
$0
Planned: $0
Total Expenses
$0
Budgeted: $0
Debt Payments
$0
Planned: $0
Savings / RRSP
$0
Planned: $0

Zero-Based Budget Check

Category Planned Actual Variance

Spending Habits Review

Income — Planned vs. Actual

Source Projected Actual Difference
TOTAL $0 $0 $0

Expenses — Budgeted vs. Actual

Category Item Budgeted Actual Difference
TOTAL EXPENSES $0 $0 $0

Debt Repayment — Projected vs. Actual

Account Projected Actual Difference
TOTAL $0 $0 $0

Savings & Investments — Projected vs. Actual

Account Projected Actual Difference
TOTAL $0 $0 $0

Expense Log

Daily transaction tracking — all income, expenses, repayments, and savings

Date Type Category Notes / Merchant Account Amount Recurring
Total Income (filtered)
$0
Total Expenses (filtered)
$0
Net Cash Flow
$0

Debt Manager

Balances, interest costs, payoff strategy, and projections

Total Debt
$0
All accounts combined
Monthly Interest
$0
Estimated cost this month
Monthly Payments
$0
Total actual payments
Weighted Avg APR
—%
Across all debt accounts

Debt Accounts — Priority Order

Priority Lender & Type Balance Limit APR Min. Payment Actual Payment Monthly Interest Payoff Est.
No debt accounts yet. Add your accounts to begin tracking.

Payoff Timeline

Add debt accounts with actual payment amounts to see projected payoff dates.

Debt Strategy

Payoff Strategy

Enter your debt balances, APRs, and payment amounts to receive your personalized payoff strategy. The system uses avalanche method (highest APR first) as default, aligned with your priority rankings.

Credit Profile

Equifax & TransUnion scores, utilization tracking, and credit health analysis

Monthly Credit Score Entry

Equifax Score
—
No prior data
—
TransUnion Score
—
No prior data
—
Total Utilization
—%
Revolving accounts only
—

Score History

Credit Utilization by Account

(Revolving only)

Add revolving credit accounts in Debt Manager to see utilization breakdown.

Monthly Score Log

Month Equifax vs. Prev TransUnion vs. Prev Notes
No credit score history yet. Enter your scores above to begin tracking.

Credit Health Analysis

Enter your credit scores and debt account details to generate your personalized credit health analysis. The system will evaluate score trends, utilization by account, key risk factors, and recommended actions to optimize your credit profile.

Assets & Net Worth

Full balance sheet — assets, liabilities, and net worth trend

How balances work: Asset balances are point-in-time snapshots — you update them when you check your accounts. The app cannot auto-calculate them from transactions (investments fluctuate, interest accrues, fees apply). When you click Update Balances, a snapshot is automatically saved so historical dashboard views stay accurate. Use the 📅 Backdate button on the dashboard to record balances for past months.

Total Assets
$0
Total Liabilities
$0
Net Worth
$0
Since tracking start

Asset Balances

Asset Breakdown

Liabilities pulled from Debt Manager
Add debt accounts in Debt Manager to see liability breakdown.

Income & Pay Schedule

Semi-monthly pay structure, bonus timing, and cash flow calendar

Annual Gross Salary
—
CAD, pre-tax
Gross Per Paycheck
—
Semi-monthly (24×/year)
Total Variable / Bonus
—
All variable sources combined
Monthly RRSP (w/ match)
—
Your contribution + employer match

Pay Schedule — 2026

Pay Period Scheduled Date Actual Pay Date Type Gross

Income Sources

SourceMonthly (planned)Notes

Pay Structure Notes

Pay Structure

Configure your pay frequency and salary in Settings → Financial Config to see your pay structure here.

Monthly Reviews

Progress status, written notes, and credit review for each month

—
Month Status
Equifax Score
—
From Credit Profile
TransUnion Score
—
From Credit Profile

Monthly Budget Summary

CategoryProjectedActualDifference

Monthly Financial Notes

Month Analysis

Budget and transaction data for this month will generate an automated analysis here once entered.

Period Overview

Income, expenses, debt reduction, investment growth, and credit trajectory

to
Period Income
$0
Period Expenses
$0
Period Debt Payments
$0
Period Savings / RRSP
$0

Monthly Performance

Annual Financial Summary

As you track each month through 2026, this section will build into a comprehensive annual summary — covering income totals, expense trends, debt reduction progress, credit score trajectory from January to December, and your strongest and weakest financial months of the year.

Goals

Track up to 3 active goals — progress auto-updates from your financial data

Active Goals
0 / 3
Goals Achieved
0
Success Rate
—
Streak
—
consecutive achieved

Active Goals

Goal History

No completed goals yet.

Export Center

Professional, advisor-ready reports and data exports

PDF Reports

Full Financial Profile

Profile summary, net worth, assets, debt profile, credit profile, utilization, budget snapshot, cash flow structure, and financial analysis

Advisor Summary

Clean, professional summary suitable for sharing with a financial advisor — net worth, debt schedule, investment snapshot, and credit overview

Annual Summary

Full year overview — income/expense totals, debt reduction, investment growth, and credit score change Jan to Dec

Data Exports

Monthly Budget & Actuals (CSV)

All income, expenses, repayments, and savings — planned vs actual — for the selected month

Debt Schedule (CSV)

All debt accounts with balances, APRs, payments, interest costs, and payoff projections

Full Transaction Log (CSV)

All logged transactions — date, type, category, amount, account, notes

Credit Score History (CSV)

Monthly Equifax and TransUnion scores with change tracking and notes

My Profile

Personal details, financial goals, tracking setup, and demographic benchmarks

Personal Information

◉
✎

Tracking Setup

Months before this date are labelled retroactive in reports.

Why Keep Backdating Enabled?

You started tracking mid-year. Entering Jan–March retroactively gives you a complete 2026 annual picture — total income, total debt paid, RRSP contributions. Without it, those months are a permanent blank. The retroactive label distinguishes estimated entries from live tracking. Best of both worlds.

Financial Goals & Strategy

Where You Stand — Age Demographic Benchmarks

Enter your DOB to see benchmarks

Enter your date of birth above to see how your financial profile compares to Canadian averages for your age group.

Your Financial Profile Summary

Complete your profile to generate a personalized financial summary — including where you stand relative to your age group, what your income level suggests about savings capacity, and a realistic snapshot of your financial position and trajectory.

Settings

Accounts, budget defaults, financial config, and data management

Accounts Budget Defaults Financial Config Data

All accounts feed into your transaction dropdowns, asset totals, and debt tracking. Credit and loan accounts sync with the Debt Manager.

Chequing Accounts

Savings Accounts

Credit Cards

Credit card accounts are managed in Debt Manager →

Investment & RRSP Accounts

Loan Accounts

Loan accounts are managed in Debt Manager →