Save for yourfirst home faster. Harmony Budget is a free iPhone, iPad and Mac app that turns saving for your first home in Canada into a real down-payment plan — FHSA contribution room tracked automatically, every month logged, and an in-app AI money coach. Never connects to your bank.
Harmony turns “we should save more” into an actual plan — a real number, a real date, and your FHSA room worked out for you. Every month tracked automatically. No spreadsheets, no bank login.
Harmony Budget is out. Here is what it does.
Free on the App Store for iPhone, iPad and Mac. Built for Canadians saving toward a first home.
Build your plan in 2 minutes
A few questions about the home you want, and Harmony works out your target, your monthly number, and your date.
See your progress at a glance
Saved, remaining, time to goal — one screen. Every contribution moves the number.
Your FHSA room, worked out for you
Harmony tracks your contribution room, carries forward what you did not use, and warns you before you go over.
Every month logged automatically
Set the transfer up once at your bank, confirm it in Harmony, and it keeps counting. Willpower is a bad savings plan.
Ask Penny anything
An in-app AI money coach that knows your plan. FHSA vs TFSA? Renting vs buying? Answers built on your actual numbers.
Never connects to your bank
No bank login, and Harmony cannot move your money. You make the transfer; Harmony tracks it.
Calculators for the decisions, not the spreadsheet.
Simple, free tools for the money questions people actually ask — built from the research, free forever, no signup.
Subscription Leak Detector
Add up the subscriptions quietly draining your budget — monthly, yearly, and over five years.
Open toolLifestyle Inflation Calculator
See how much of your raise actually became savings — and how much lifestyle creep quietly absorbed.
Open toolCost of Living Score
Answer 8 quick questions and get a Cost of Living Score out of 100 — see how you compare to similar Canadians.
Open toolMinimum Down Payment Calculator
See the exact minimum down payment on a Canadian home — the 5%/10% tiers, whether CMHC insurance applies, and the mortgage payment.
TFSA Room Verifier
Rebuild your TFSA contribution room from your own history using the exact CRA rules, and trust your number.
Open toolTFSA Knowledge Quiz
Test how well you know the TFSA rules — limits, room, withdrawals, and the traps — with a plain explanation for every answer.
Open toolRRSP Knowledge Quiz
Test how well you know the RRSP rules — the deduction, room, the RRSP-season deadline, and the Home Buyers' Plan traps — with a plain explanation for every answer.
Open toolOn Android? Hold tight.
Harmony is on iPhone, iPad and Mac today. The Android build is in the works — leave your email and you will hear from us the day it lands.
One email, when Android ships. Unsubscribe anytime.