Freedom251 › Personal Finance Software
Pilot Wealth
What Pilot Wealth is
Pilot Wealth is a web-based personal finance service built for Canadians. It combines budgeting, savings goals, bill tracking, net-worth tracking, account connections, and an AI coach that uses spending, income, savings, and goals data. The Free plan costs nothing and includes unlimited transaction tracking, smart budget management, manual entries, multiple savings goals, an emergency fund builder, up to three recurring subscriptions, and one income source. Pro costs C$6.99 a month and adds unlimited income sources, real-time net-worth tracking, investment tracking and insights, retirement planning tools, and an xAI-powered coach with 25 messages per day. Premium costs C$12.99 a month and adds advanced stock and ETF tracking, 12 Pilot Learn courses, custom alerts, 100 daily coach messages, and connections to up to two institutions. Automatic bank sync and investment holdings auto-sync are currently paused. Pilot Wealth uses Plaid and says bank usernames and passwords are not stored.
Who it suits
It suits Canadians who want web-based budgeting and financial tracking, with paid tiers for investment tools, more coach messages, or courses. Manual account tracking is available while automatic sync is paused.
What it does well
- Free plan includes unlimited transaction tracking
- Tracks Canadian TFSA, RRSP, and FHSA accounts
- Offers savings goals and emergency fund tools
- Paid tiers add investment tracking and insights
- Bank usernames and passwords are not stored
What to know first
- Automatic bank sync is currently paused
- Investment holdings auto-sync is paused
- Free plan limits recurring subscriptions to three
- Free plan tracks one income source
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| 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 | Free |
| Pro | 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 | C$6.99 a month |
| Premium | 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) | C$12.99 a month |
As pilotwealth.ca lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
Pilot Wealth offers a Canadian-focused free starting tier and two paid plans with progressively broader investing, coaching, and learning features. Current sync pauses mean some account information may need manual tracking.
Facts from Pilot Wealth's own pages
- Account sync
- both · pilotwealth.ca, 22 Sept 2026
- AI coach
- The AI coach is powered by xAI and can answer questions using spending, income, savings, and goals data. · pilotwealth.ca, 11 Oct 2026
- Authentication
- The security policy says authentication is handled by Clerk and Pilot Wealth does not store passwords. · pilotwealth.ca, 11 Oct 2026
- Bank integration
- Pilot Wealth uses Plaid for bank connections, but automatic bank sync is currently paused and accounts can be tracked manually. · pilotwealth.ca, 11 Oct 2026
- Bill tracking
- Yes · pilotwealth.ca, 22 Sept 2026
- Budgeting
- The Free plan includes smart budget management, unlimited transaction tracking, and manual transaction entry. · pilotwealth.ca, 11 Oct 2026
- Budgeting tools
- Yes · pilotwealth.ca, 22 Sept 2026
- Canadian accounts
- The product is built around Canadian accounts including TFSA, RRSP, and FHSA. · pilotwealth.ca, 11 Oct 2026
- Data protection
- Pilot Wealth says data is encrypted in transit and at rest, and bank access tokens are encrypted again before storage. · pilotwealth.ca, 11 Oct 2026
- Free plan
- Yes · pilotwealth.ca, 22 Sept 2026
- Intended audience
- Pilot Wealth describes itself as built for Canadians and says it is not a financial advisor and its content is educational. · pilotwealth.ca, 11 Oct 2026
- 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. · pilotwealth.ca, 11 Oct 2026
- Learning
- Premium includes Pilot Learn with 12 financial courses. · pilotwealth.ca, 11 Oct 2026
- Net-worth tracking
- Yes · pilotwealth.ca, 22 Sept 2026
- Payments
- The security policy says payment processing is handled by Stripe and Pilot Wealth does not store card numbers or payment credentials. · pilotwealth.ca, 11 Oct 2026
- Purpose
- Pilot Wealth offers Canadians budgeting, savings goals, net worth tracking, and an AI coach informed by their financial data. · pilotwealth.ca, 11 Oct 2026
- Security
- The security policy says Plaid access tokens are encrypted at rest and Pilot Wealth does not store bank usernames or passwords. · pilotwealth.ca, 11 Oct 2026
- Support
- For account access help, the site directs users to [email protected]. · pilotwealth.ca, 11 Oct 2026
- Supported institutions
- The site lists RBC, TD, Scotiabank, BMO, CIBC, and hundreds of credit unions as supported through Plaid. · pilotwealth.ca, 11 Oct 2026
Where Pilot Wealth stands on Freedom251
- Personal Finance Software#90 of 181