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BehaviorWhy people quit budgeting apps
It's almost never the features. People abandon apps when keeping them up to date becomes another chore they have to remember.
Early access · 🇨🇦
Save for yourfirst home faster. HarmonyBudget helps Canadians saving for a first home grow the down payment faster with small daily habits — no spreadsheets, no bank login. Join early access.
Small daily habits grow the down payment faster. We show you where your money goes and help you bank the difference — no spreadsheets, no guesswork.
Start saving for your first home
No spreadsheets, no bank login.
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Free tools
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.
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Subscription Leak Detector
Add up the subscriptions quietly draining your budget — monthly, yearly, and over five years.
Open tool📈
Lifestyle Inflation Calculator
See how much of your raise actually became savings — and how much lifestyle creep quietly absorbed.
Open tool📊
Cost 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 tool🍁
TFSA Room Verifier
Rebuild your TFSA contribution room from your own history using the exact CRA rules, and trust your number.
Open tool🧠
TFSA Knowledge Quiz
Test how well you know the TFSA rules — limits, room, withdrawals, and the traps — with a plain explanation for every answer.
Open tool🧠
RRSP 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 toolLatest learnings
Every week, we read 100 budgeting discussions.
Then we publish what we found — the patterns in how real people talk about money, stress, and the decisions that keep them up at night.
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StressThe biggest money stress for young Canadians
Rent and groceries dominate, but the deeper anxiety is not knowing whether this month is normal or the start of a slide.
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SpendingWhy grocery budgets aren't the real problem
People obsess over the grocery line because it feels controllable — while the fixed costs quietly doing the damage go unexamined.
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Home buyingWhat first-time homebuyers are confused about
Beyond the down payment, buyers can't get a straight answer on the true monthly carrying cost — so they guess, then panic.
What we're researching
The themes we're digging into right now.
We follow where the questions lead. These are the topics shaping what we publish — and eventually, what we build.
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Budgeting habits
Why systems stick — or quietly fall apart after three weeks.
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Cost of living
What's actually squeezing people, city by city.
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Couples and money
How partners share, split, and argue about spending.
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Home buying
The real numbers behind a first place — and the surprises.
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Canadian savings accounts
TFSA, FHSA, RRSP — what people get wrong and why.
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