No. 41of 181 ·Personal Finance Software

Pilot Wealth

Web· paid plans from C$6.99/mo

Freedom report

Two barsScore 7.1

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Pilot Wealth is ranked #41 of 181 in personal finance software on Freedom251. It runs on Web. There is a free plan. Paid plans start at C$6.99/mo.

Pilot Wealth plans and pricing

All plans

Free Free Free forever Unlimited transaction tracking · Smart budget management · Up to 3 recurring subscriptions · Multiple savings goals · Emergency fund builder · Manual transaction entry · Single income source tracking pilotwealth.ca · 11 Oct 2026

Pro C$6.99/mo Billed monthly Automatic bank sync via Plaid (paused for now) · Unlimited income sources · Real-time net worth tracking · xAI-powered coach: 25 messages/day, fair-use monthly limit · Investment tracking and insights · Retirement planning tools · Unlimited subscription tracking pilotwealth.ca · 11 Oct 2026

Premium C$12.99/mo Billed monthly Advanced stock and ETF tracking · Pilot Learn: 12 financial courses · Custom alerts and notifications · Elite xAI-powered coach: 100 messages/day, fair-use monthly limit · Connect up to 2 financial institutions (paused for now) · Investment holdings auto-sync (paused for now) pilotwealth.ca · 11 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: both

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The record

Purpose: Pilot Wealth offers Canadians budgeting, savings goals, net worth tracking, and an AI coach informed by their financial data.
Budgeting: The Free plan includes smart budget management, unlimited transaction tracking, and manual transaction entry.
Canadian accounts: The product is built around Canadian accounts including TFSA, RRSP, and FHSA.
AI coach: The AI coach is powered by xAI and can answer questions using spending, income, savings, and goals data.
Bank integration: Pilot Wealth uses Plaid for bank connections, but automatic bank sync is currently paused and accounts can be tracked manually.
Supported institutions: The site lists RBC, TD, Scotiabank, BMO, CIBC, and hundreds of credit unions as supported through Plaid.
Investment features: Pro includes investment tracking and insights, while Premium adds advanced stock and ETF tracking and investment holdings auto-sync, which is currently paused.
Learning: Premium includes Pilot Learn with 12 financial courses.
Security: The security policy says Plaid access tokens are encrypted at rest and Pilot Wealth does not store bank usernames or passwords.
Data protection: Pilot Wealth says data is encrypted in transit and at rest, and bank access tokens are encrypted again before storage.
Authentication: The security policy says authentication is handled by Clerk and Pilot Wealth does not store passwords.
Payments: The security policy says payment processing is handled by Stripe and Pilot Wealth does not store card numbers or payment credentials.
Support: For account access help, the site directs users to [email protected].
Intended audience: Pilot Wealth describes itself as built for Canadians and says it is not a financial advisor and its content is educational.
Price from: C$6.99/mo

Where it ranks on Freedom251

Best Personal Finance Software in 2026#41 of 181

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Sources

pilotwealth.ca· checked 11 Oct 2026
pilotwealth.ca/security· checked 11 Oct 2026