Rent is climbing. Groceries cost more every month. And the app you're using to manage it all was designed for Americans. ModuFi is the first modular budgeting app built in Canada — with built-in support for TFSAs, RRSPs, and FHSAs, 6 budgeting strategies you can switch between anytime, features you can turn on or off, couples and family budgeting, and the flexibility to adapt instantly when your goals change. Join hundreds of others on our waitlist.
Get in early. Lock in your advantage.
The problem with other apps
The ModuFi way
What you get
Link your accounts from RBC, TD, Scotiabank, BMO, CIBC, and more — see every balance in one dashboard. No more juggling five banking apps.
Zero-Based, 50/30/20, Envelope, Cash-Flow Focused, Passive, Pay-Yourself-First — use what works now and switch the moment it doesn't.
Turn features on and off like building blocks. No bloat, no clutter — just the modules that matter to you.
Add your partner, kids, or family — and decide exactly who sees what. Share budgets without sharing everything, even if they aren't on the accounts.
Avalanche, snowball, or emotional weight — pick the payoff strategy that motivates you and switch anytime as your priorities change.
Shared vaults for couples and families. Joint goals, private spending, role-based access — your household, your rules.
The What-If Workshop lets you simulate financial decisions before you make them. See the impact in real time.
Pick a Budgeting Profile — freelancer, new grad, parent, retiree — and your dashboard, strategy, and tools configure themselves.
Spending spikes, bill reminders, low balance warnings, goal milestones — customize exactly what you get notified about and when.
Personalized from day one
Tell us who you are and ModuFi configures your strategy, dashboard, and tools automatically. Change your profile anytime — your data stays. Don't fit neatly into a profile? No problem — everything is fully customizable to your needs.
Debt tracker, minimalist layout, gentle nudges
Income smoothing, tax goals, variable income tools
Bill focus, cash buffer module, spending limits
Shared vaults, joint + individual goals
Gentle coaching, emotional reset focus
Income vs expenses only — no clutter
Multi-member budgets, allowances, shared goals for the whole family
Balanced spending splits, savings on autopilot, progress tracking
Savings and investments come first, spend what's left guilt-free
Settlement costs, credit building, income tracking for a fresh start
Down payment goals, savings tracking, and spending discipline for homeownership
Multiple income streams, irregular pay cycles, tax set-asides
Common questions
ModuFi is a modular budgeting app built specifically in Canada for Canadians. It understands Canadian financial products like TFSAs, RRSPs, and FHSAs, lets you switch between 6 budgeting strategies, manage money as a couple or family, and turn features on or off as your needs change — so your budget actually fits your life.
ModuFi will offer a free tier at launch. Founding members who join the waitlist now get full premium access during the early access period and a permanently lower price when paid plans launch.
Yes. ModuFi has built-in support for couples and families — shared vaults, joint goals, private spending, and role-based access so everyone in your household can manage money together without giving up control.
ModuFi supports 6 budgeting strategies: Zero-Based, 50/30/20, Envelope, Cash-Flow Focused, Passive, and Pay-Yourself-First. You can switch between them anytime — no need to start over or lose your data.
Yes. ModuFi is built with Canadian financial products in mind. Track your TFSA, RRSP, FHSA, and RESP contribution room and savings goals directly inside the app — no workarounds or manual tracking required.
Yes. ModuFi connects to major Canadian banks including RBC, TD, Scotiabank, BMO, CIBC, and more — so you can see all your accounts in one dashboard.
Yes. ModuFi is built and hosted in Canada. Your financial data stays in Canada and is never sold to third parties.
Limited founding member spots
Founding members don't just get early access — they get a permanent edge. Be part of the budgeting app Canadians actually deserve.
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