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My Standing
Canadian financial benchmarks for your age group
Getting Started
Complete these steps to get the most out of Momentum
Dashboard
Your financial snapshot
Credit Scores
View Profile →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
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
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
| Item | Budgeted | Actual |
|---|---|---|
| TOTAL | $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 |
Expense Log
Daily transaction tracking — all income, expenses, repayments, and savings
| Date | Type | Category | Notes / Merchant | Account | Amount | Recurring |
|---|
Debt Manager
Balances, interest costs, payoff strategy, and projections
Debt Accounts — Priority Order
| Priority | Lender & Type | Balance | Limit | APR | Min. Payment | Actual Payment | Monthly Interest | Payoff Est. |
|---|
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
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 |
|---|
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 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.
Asset Balances
Asset Breakdown
Net Worth Over Time
From monthly balance snapshotsIncome & Pay Schedule
Semi-monthly pay structure, bonus timing, and cash flow calendar
Pay Schedule
| Period | Date | Status |
|---|
Income Sources
| Source | Monthly (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
Monthly Budget Summary
| Category | Projected | Actual |
|---|
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
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
Goal History
No completed goals yet.
Notifications
Email alerts when things happen — powered by EmailJS (free, no server required)
EmailJS Setup
Not configuredHow 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
Notification Triggers
These are checked every time you open the app. Notifications won't repeat more than once per day per trigger.
Recent Notifications
No notifications sent yet.
AI Financial Advisor
Ask anything about your finances — your data is used as context
⚙ Worker Configuration
The AI requires a free Cloudflare Worker to relay requests to the Anthropic API. Full setup guide →
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
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
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
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
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 →