A budget that answers.

Monsieur Budget tracks your budget, sorts your spending and answers your money questions, with the figures to back it up.

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Private beta by invitation, free during the beta.

Your data is hosted in Canada
Powered by Cohere, the Canadian AI
Designed in Québec, for Québec

The app’s Month screen, shown in French: October 2026, what needs attention and how the pay is split. — A sample question and answer, on made-up data.

“Where did my money go this month?”

It’s all on the first screen, updated every time you import a statement.

Your month at a glance

Your budget groups against what you planned, this week’s allowance for each card, and what needs your attention.

The month’s budget groups, in French: groceries, health and care, fixed bills, restaurants and cafés, each with its planned amount.

Statements, imported once

Download your bank’s statement (OFX, QFX or CSV) and import it. A transaction that’s already in never comes back as a duplicate. Fix a category, and the correction carries forward.

The same statement imported a second time: no new transactions, four already imported.

Your trends, month after month

Every spending group over twelve weeks or twelve months, with its average. You see right away what’s creeping up.

Trends by group over twelve weeks: fixed bills, groceries, restaurants and cafés, each with its average.

“Can I ask it anything?”

About your money, yes. The assistant reads your figures and answers with the amounts, and a chart when it helps.

Your real figuresIt answers from your transactions and your budget.
You have the final sayIt suggests a category, a rule or a budget. Apply it with one tap, or ignore it.
It never moves moneyIt makes no transfers and gives no investment advice.
Powered by Cohere, the Canadian AICohere’s Command A model, running in Microsoft Azure.

The assistant Example, made-up data

Why did my groceries go over in October?

You’re at $660.44 of $600. The gap comes mostly from two big orders, on October 12 and 26.

Budget $600 $575 $538 $660

I also noticed Pharmacie du coin is filed under Groceries. I suggest:

File “Pharmacie du coin” under Health and care

Its 3 October purchases, and future ones

“What if I’m self-employed, or own a plex?”

The app also handles invoices, rent and the year-end figures.

You’re self-employed

Invoices with GST and QST.
Your expenses and receipts, in one place.
Fill in my return: the T2125 and TP-80, line by line, beside your tax software.
The quick method for GST and QST compared with the regular method.

A draft invoice, in French: two lines, subtotal, GST 5%, QST 9.975% and total.

You rent out a plex or a condo

Your units and leases.
Rent found automatically in your transactions.
Late rent, flagged.
At year end, the T776 and TP-128 figures for each owner, and the list for the RL-31 slips.

A duplex’s year end, in French: the Fill in my return button, gross rents and deductible expenses with their T776 and TP-128 lines.

“Where does my data go?”

The short answer, plainly.

Your data is hosted in Canada.With Microsoft Azure: the app and your files in Québec City, the database in Toronto. If you connect your bank, Plaid (United States) also keeps your access and transactions.
Questions to the assistant are processed by Microsoft Azure.Azure runs Cohere’s model. These questions may be processed outside Canada.
No bank password, ever.Connect your bank through Plaid: you sign in in Plaid’s window, the app never sees your password. Or import your statements yourself (OFX, QFX or CSV).
No ads.Your data is never sold.
Leave whenever you like.Export your data at any time. Delete your account and your data at any time.

Read the privacy policy

“More questions?”

How much does it cost?

Nothing during the beta. The app is free for the whole private beta.

How do I get an invitation?

The beta is private: access is by invitation. Join the waitlist and we’ll write to you when your spot is ready.

Does it work with my bank?

If your bank or credit union lets you download your statements as OFX, QFX or CSV files, yes. Look for the download option on your bank’s website, often near your transaction history.

You can also connect your bank through Plaid: your transactions then arrive without you downloading anything.

Will you ask for my bank password?

Never. If you connect your bank, you sign in in Plaid’s window: your password never goes through the app. You can also import your statements yourself.

Who answers my questions, exactly?

An artificial intelligence model: Command A, from the Canadian company Cohere, running in Microsoft Azure. Your questions may be processed outside Canada.

The assistant reads your figures to answer and suggests changes that you approve. It never moves money and gives no investment advice.

Where is my data stored?

Your data is hosted in Canada: the app and your files in Québec City, the database in Toronto, with Microsoft Azure. No ads, and your data is never sold.

Does it help with my Québec taxes?

Yes, if you’re self-employed or rent out a unit. The app prepares the T2125 and TP-80 figures, or the T776 and TP-128 figures, line by line, and compares the two GST and QST methods.

You enter those figures in your tax software: the app does not file the return for you.

Can I take my data with me?

Yes. Export it whenever you like, and delete your account and your data whenever you like.

“Can I try it?”

Yes, by invitation. The private beta is free. Leave your email and we’ll write to you when your spot is ready.