Boreal Finance - Your money, finally explained.Skip to main content🇨🇦 Built for CanadiansYour money, finally explained.<br>Connect your Canadian and US accounts, and Boreal explains your spending, cash flow, and what to watch next—in clear, everyday language. No budgets, spreadsheets, or manual categorization.<br>Create free accountSee a sample insight<br>Includes a 7-day Pro trial. No credit card required. Automatically switches to Free afterward.
Connects with 100+ Canadian and 10,000+ US institutions<br>RBC<br>TD<br>Scotiabank<br>BMO<br>CIBC<br>Desjardins<br>Tangerine<br>Chase<br>Bank of America<br>Wells Fargo
June 2026 insightPro<br>Jun 1 – Jun 30, 2026
78<br>/ 100
Up 3 pts vs last month
Summary<br>Your financial position held steady this month, with spending still moving within its usual pattern and the month-end forecast pointing to $800 net. Recurring costs were $43 higher, driven mostly by two subscription charges. Groceries also came in 34% above last month, with most of the change tied to a couple of larger weekend shops. Even with those increases, the overall picture remains stable and projected to stay in the black.
Key finding<br>Worth a lookRecurring costs edged up<br>Recurring costs were $43 higher this month, mostly from two subscriptions, while the rest of your spending looked steady.
WatchGroceries up 34% this month<br>Groceries came in 34% higher this month, with most of the change tied to two larger weekend shops.
On trackProjected net cash flow stays positive<br>Your current month-end forecast still points to +$800 net if income and spending stay near their current pace.
Generated by Boreal<br>CAD · AI-generated
Understand where your money went<br>See the spending changes that actually moved your month, not just a long list of transactions.
Key finding<br>WatchGroceries up 34% this month<br>$842 vs $628 in May - mostly two large weekend shops.
See what is coming next<br>Boreal projects your income, spending, and what is left at the end of the month, so you can see where you will land before it happens.
Forecast<br>Projected income+$5,100<br>Projected expenses-$4,300<br>Projected net+$800
Know what deserves your attention<br>Catch the subscriptions, price changes, and unusual swings that are easy to miss in a busy month.
Heads upSubscription<br>Streaming subscription increased<br>Renewed at $19, up from $14 last cycle.<br>Detected Jun 12 · June 2026
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Read-only connections<br>Boreal can view the financial data needed to generate insights, but it cannot move money or make transactions.
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Built by someone solving the same problem<br>Brian AdairFounder of BorealSenior Software Engineer · Calgary, Alberta<br>I've spent nearly a decade building software, working across full-stack systems, financial data, automation, and user-focused products. I started Boreal because I wanted a better way to understand my own finances without turning money management into a second job.
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Free<br>$0forever<br>Get started with the essentials.<br>1 linked bank account<br>3 months of transaction history<br>Dashboard & transactions<br>Basic monthly summary<br>Keep your last AI insight
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Is my financial data safe with Boreal?Yes. Boreal uses AES-256 encryption on every connection and stores data with the same standards as the banks it connects to. Your bank credentials never touch our servers — they're handled by Plaid, the connection layer trusted by Wealthsimple and KOHO.
Do I have to set up a budget or categorize my transactions?No. That's the whole point of Boreal. You never build a budget, set spending limits, or sort transactions. It all happens automatically the moment you connect your accounts. Boreal reads your activity for you and tells you what's worth knowing, in words, not just numbers.
Can Boreal move money in my accounts?No. Boreal has read-only access. It can see your transactions and balances, but it physically cannot transfer money, pay bills, or make any changes to your accounts.
Which Canadian banks are supported?Every major Canadian bank — RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins — plus credit unions and challenger banks like Tangerine, EQ Bank, Simplii, KOHO, and...