Forecasts
Project your balance six months to thirty years out, adjusted for inflation.
Know where your money actually goes.
Budgets that fill with your real spending, a debt plan that shows the math, and the Canadian accounts other apps ignore. Priced in Canadian dollars.
Coming to the App Store
iPhone · one month free
August budgets
EXAMPLE
🛒 Groceries
$0 of $600
🍔 Dining out
$0 of $200
🚗 Transport
$0 of $250
where you should be, 23 days in
Budgets & spending
A budget that keeps up with a real month.
Set an amount per category and it fills with your actual transactions — no re-entering what you already spent. The marker shows where you should be by now, so you know if you're ahead before the month is gone.
- ✓Custom categories with your own icons
- ✓Yearly view — underspend in March, spend it in July
- ✓See exactly where last month went, by category
Entertainment · full year
EXAMPLE
Spent so far
$0 of $1,200
$160 under pace · $860 left this year. Skip a few months and the room carries forward instead of resetting.
Debt payoff
See what the interest is really costing you.
Add your cards, loans, and lines of credit with their rates. Schei works out the date you'd be free and the total interest — then shows what one extra payment a year would change.
- ✓Avalanche or snowball, compared side by side
- ✓Extra monthly, or a yearly lump sum
- ✓Choose which debts belong in the plan
Payoff comparison
EXAMPLEMinimums only
DEBT-FREE IN
18y 4m
TOTAL INTEREST
$0
+$200 a month
DEBT-FREE IN
11y 2m
TOTAL INTEREST
$0
$0
saved in interest — and free 7 years 2 months sooner
The Canadian part
The accounts other apps pretend don't exist.
Every good budgeting app is American. None of them can tell you how much TFSA room you have left. Schei tracks your contributions year by year against the annual limits, so you know before you over-contribute.
- ✓TFSA and RRSP contributions, by year
- ✓Contributions charted against market value
- ✓Holdings, property, and full net worth
TFSA contribution room
EXAMPLE| 2021 | — |
| 2022 | — |
| 2023 | — |
| 2024 | — |
| 2025 | — |
| Room since 2009 | — |
Illustrative. Schei works this out from the contributions you record.
Also in the app
The rest of the picture.
Outlook
Bills
What's due
Recurring bills and income, marked paid and rolled forward automatically.
Net worth
Everything counted
Accounts, investments, property and debt in one number that updates itself.
Insights
What changed
Income against spending, category trends, and where the month actually went.
Getting your data in
Connect a bank, import a file, or type it in.
Schei connects to supported Canadian institutions for automatic syncing. Open banking is still arriving in Canada, so some banks can't be connected yet — for those, import a CSV from your old app or your bank, or enter transactions by hand. Manual entry is a first-class part of the app, not a fallback. Coming from Mint or Monarch? Bring your history with you.
Pricing
One price. In Canadian dollars.
$4.99PER MONTH · CAD
- ✓Your first month is free.
- ✓Billed in Canadian dollars — no exchange rate, no FX fee.
- ✓Everything included. No higher tier holding features back.
- ✓Cancel any time from your Apple ID settings.
Why this exists
When Mint shut down, every good replacement was American — and a lot more expensive than the free thing we'd all just lost.
There were also a host of things I wanted that none of them did. Being Canadian, the big one was tracking my TFSA and RRSP contribution room on the fly.
So I built the app I couldn't find.
— Schei · built in Canada