Momentum — Personal Financial System

Getting Started

Complete these steps to get the most out of Momentum

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.

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	+/−
TOTAL	$0	$0	$0

Expenses — Budgeted vs. Actual

Category	Item	Budgeted	Actual	+/−
	TOTAL	$0	$0	$0

Debt Repayment — Projected vs. Actual

Account	Projected	Actual	+/−
TOTAL	$0	$0	$0

Savings & Investments — Projected vs. Actual

Account	Projected	Actual	+/−
TOTAL	$0	$0	$0

Date	Type	Category	Notes / Merchant	Account	Amount	Recurring

Total Income (filtered)

$0

Total Expenses (filtered)

$0

Net Cash Flow

$0

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.

Monthly Credit Score Entry

Month / Year

Equifax Score

TransUnion Score

Notes

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.

How asset 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

Live where tracked, manual for investments

Asset Breakdown

Liabilities pulled from Debt Manager

Add debt accounts in Debt Manager to see liability breakdown.

Net Worth Over Time

From monthly balance snapshots

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

Period	Date	Status	Gross	Est. Net

Income Sources

Source	Monthly (planned)	Notes

Source Name

Monthly Amount

Pay Structure Notes

Pay Structure

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

Month Status

Equifax Score

—

From Credit Profile

TransUnion Score

—

From Credit Profile

Monthly Budget Summary

Category	Projected	Actual	+/−

Monthly Financial Notes

Spending Habits Review

Credit Review Notes

Progress Summary

Month Analysis

▼

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

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.

Active Goals

0 / 3

Goals Achieved

0

Success Rate

—

Streak

—

consecutive achieved

Active Goals

Goal History

No completed goals yet.

Down Payment

FHSA

TFSA

T4 / Tax

Debt-Free Calc

Spending Trends

Target

Home Purchase Price ($)

Down Payment % (5%, 10%, 20%)

Target Date

Current Savings Allocated ($)

Plan

Fill in the fields to see your down payment plan.

Canadian Down Payment Rules

▼

Minimum down payment: 5% for homes up to $500K; 5% on first $500K + 10% on remainder for $500K–$999K; 20% for $1M+. Homes under $500K with <20% down require CMHC mortgage insurance (0.6–4.5% premium added to mortgage). A 20% down payment eliminates CMHC insurance and lowers your monthly payment significantly. Combine your FHSA ($40K tax-free) + RRSP Home Buyers' Plan (up to $35K) for your down payment if you're a first-time buyer.

FHSA Tracker

Year FHSA Opened

Total Contributed to Date ($)

Current FHSA Balance ($)

Monthly Contribution Target ($)

Status

Enter your FHSA details to see room and projections.

FHSA Rules (Canada)

▼

The First Home Savings Account opened April 1, 2023. Annual contribution limit: $8,000. Lifetime limit: $40,000. Unused room carries forward (max $8K carryforward, so max $16K in one year). Contributions are tax-deductible (like RRSP). Withdrawals for qualifying home purchase are tax-free (like TFSA). Must be a first-time home buyer and Canadian resident. Account must be closed by December 31 of the year you turn 71, or 15 years after opening — whichever comes first. If unused, transfer to RRSP with no impact on RRSP room.

TFSA Tracker

Year Turned 18 (or 2009 if earlier)

Total Lifetime Withdrawals ($)

Withdrawals restore room in the following calendar year.

Total Contributed to Date ($)

Room & Status

Enter your TFSA start year to calculate your contribution room.

TFSA Annual Limits (Canada)

▼

Cumulative room since 2009: $5,000 (2009–2012), $5,500 (2013–2014), $10,000 (2015), $5,500 (2016–2018), $6,000 (2019–2022), $6,500 (2023), $7,000 (2024–2025). Over-contributions attract a 1%/month penalty. Withdrawals in any year restore that room on January 1 of the following year. Your room = cumulative limit since your eligibility year + withdrawals from prior years – total contributions.

T4 Inputs

Employment Income (Box 14)

Income Tax Deducted (Box 22)

RRSP Contributions This Year ($)

Province

Other Deductions ($) optional

Estimated Return

Fill in your T4 details to see your estimated refund or balance owing.

About This Estimate

▼

This is a simplified estimate using 2024 federal and provincial tax brackets. It does not account for all credits, deductions, or personal situations. Use for planning purposes only — your actual tax liability should be calculated with certified tax software (TurboTax, Wealthsimple Tax, etc.) or a CPA. RRSP contributions reduce your taxable income dollar-for-dollar, potentially generating a meaningful refund if you're in a higher bracket.

Debt-Free What-If Calculator

Extra Monthly Payment ($)

Apply extra to

Add debt accounts in Debt Manager first, then use this calculator to see how extra payments accelerate your payoff.

Monthly Spending Trends

Last 6 months by category

EmailJS Setup

Not configured

How to set up EmailJS

▼

1. Create a free account at emailjs.com
2. Add a new email service (Gmail works great) and note your Service ID
3. Create an email template — use variables {{to_name}}, {{message}}, {{subject}} — and note your Template ID
4. Copy your Public Key from Account → API Keys

EmailJS Public Key

Service ID

Template ID

Send Notifications To

Pre-filled from your profile

Notification Triggers

These are checked every time you open the app. Notifications won't repeat more than once per day per trigger.

Goal Achieved

Alert when any tracked goal hits 100%

Goal Deadline Approaching

Alert when a goal's deadline is within days

Goal Overdue

Alert when a goal has passed its deadline without being closed

No Transactions Logged

Alert if no transactions have been logged in days

Credit Score Not Updated

Alert if credit scores haven't been entered in days

Assets Not Updated

Alert if asset balances haven't been updated in month(s)

Recent Notifications

No notifications sent yet.

✦ Your financial data is sent to the AI as context with each message. It knows your debts, goals, transactions, credit scores, and budget. Conversations are not stored anywhere — refreshing clears the history.

⚙ Worker Configuration

▼

The AI requires a free Cloudflare Worker to relay requests to the Anthropic API. Full setup guide →

Your Cloudflare Worker code:

export default {
  async fetch(request, env) {
    if (request.method === 'OPTIONS') {
      return new Response(null, { headers: {
        'Access-Control-Allow-Origin': '*',
        'Access-Control-Allow-Methods': 'POST, OPTIONS',
        'Access-Control-Allow-Headers': 'Content-Type'
      }});
    }
    const body = await request.json();
    const r = await fetch('https://api.anthropic.com/v1/messages', {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': env.ANTHROPIC_API_KEY,
        'anthropic-version': '2023-06-01'
      },
      body: JSON.stringify(body)
    });
    const data = await r.json();
    return new Response(JSON.stringify(data), { headers: {
      'Content-Type': 'application/json',
      'Access-Control-Allow-Origin': '*'
    }});
  }
};

After creating the worker, add a Secret named ANTHROPIC_API_KEY with your key from console.anthropic.com

Worker URL

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

Personal Information

◉

✎

First Name

Last Name

Date of Birth

Email

Occupation

Employer

City

Province

Tracking Setup

Tracking Start Date

Months before this date are labelled retroactive in reports.

Financial Phase

Why keep backdating enabled?

▼

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

Financial Goals & Strategy

Primary Financial Goals (2026)

Target Credit Score (Equifax)

Target Net Worth (End of 2026)

Target Emergency Fund ($)

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.

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 →

Active Financial Configuration

—

Annual Salary

—

Pay Frequency

—

—% bonus

RRSP / Month

—

—% match

RRSP Room (current)

—

Add Configuration Record

Use this to record a salary change, employer change, or any update with its effective date.

Employment

Employer Name

Job Title

Income

Annual Salary ($)

Bonus % of Salary

Paid in February → RRSP

Pay Frequency

RRSP & Investing

Monthly RRSP Contribution ($)

Employer RRSP Match (%)

DPSP (employer, monthly $)

Effective Period

Effective From

Effective To (leave blank if current)

Notes

Configuration History

Effective From	Effective To	Employer	Salary	Frequency	Bonus	RRSP/mo	Match	Notes

No configuration records yet. Add your first record above.

RRSP Contribution Room History

Updates each spring after you receive your Notice of Assessment

Tax Year

Contribution Room ($)

Effective Date (NOA received)

Notes

Tax Year	Room ($)	Effective Date	Notes

No RRSP room records yet.

Add Transaction

Edit Debt

Getting Started

Dashboard

Get started with Momentum

Credit Scores

Monthly Allocation

Debt Payoff Progress

Wealth Building & Pay

Next Pay Dates

Financial Analysis

Monthly Budget Tracker

Zero-Based Budget Check

Spending Habits Review

Income — Planned vs. Actual

Expenses — Budgeted vs. Actual

Debt Repayment — Projected vs. Actual

Savings & Investments — Projected vs. Actual

Expense Log

Debt Manager

Debt Accounts — Priority Order

Payoff Timeline

Debt Strategy

Payoff Strategy

Credit Profile

Monthly Credit Score Entry

Score History

Credit Utilization by Account

Monthly Score Log

Credit Health Analysis

Assets & Net Worth

How asset balances work

Asset Balances

Asset Breakdown

Net Worth Over Time

Income & Pay Schedule

Pay Schedule

Income Sources

Pay Structure Notes

Pay Structure

Monthly Reviews

Monthly Budget Summary

Monthly Financial Notes

Month Analysis

Period Overview

Monthly Performance

Annual Financial Summary

Goals

Active Goals

Goal History

New Goal

Close Goal

Planning

Target

Plan

Canadian Down Payment Rules

FHSA Tracker

Status

FHSA Rules (Canada)

TFSA Tracker

Room & Status

TFSA Annual Limits (Canada)

T4 Inputs

Estimated Return

About This Estimate

Debt-Free What-If Calculator

Monthly Spending Trends

Notifications

EmailJS Setup

How to set up EmailJS

Notification Triggers

Recent Notifications

AI Financial Advisor

⚙ Worker Configuration

Export Center

PDF Reports

Full Financial Profile

Advisor Summary

Annual Summary

Data Exports