Everything You Need,
Nothing You Don't
Built for Canadians who want complete control over their financial life. Every feature is designed to save time, reduce stress, and maximize wealth.
Universal Account Aggregation
Connect all Canadian banks, credit cards, and investment accounts in one secure platform
AI Financial Advisor
24/7 intelligent guidance that learns your habits and optimizes your financial decisions
Automated Investing
Smart portfolio management with automatic rebalancing and tax-loss harvesting
Bank-Grade Security
256-bit encryption, biometric authentication, and FINTRAC compliance
Smart Alerts
Proactive notifications for bills, unusual spending, and investment opportunities
Advanced Analytics
Deep insights into spending patterns, cash flow forecasting, and trend analysis
Expense Tracking
Automatic categorization with receipt scanning and mileage tracking for taxes
Bill Optimization
Identifies savings on subscriptions, negotiates better rates, and prevents late fees
Tax Intelligence
Year-round tax optimization with automated deduction tracking and real-time liability estimation
Credit Intelligence
Multi-bureau credit monitoring with automated dispute resolution and personalized score improvement
Payment Orchestration
Intelligent payment routing via Hyperswitch with multi-channel processing and fraud prevention
Developer Platform
Open APIs, webhooks, and SDKs for custom integrations and complete data portability
Four Modes, Infinite Possibilities
Explore how our AI system works across Connect, Analyze, Strategize, and Transact modes. These interactive examples demonstrate the platform's capabilities for comprehensive financial management.
You
I want to sync my TD and RBC accounts. What data will be imported?
AI Assistant
I'll securely connect both accounts and sync 24 months of transaction history, account balances, recurring payments, and investment holdings. Your credit score and spending patterns will be analyzed within minutes.
Accounts
2 Banks
History
24 months
Sync Time
< 2 min
Key Features
Multi-Bank Integration
Securely connect all your Canadian financial accounts with bank-grade encryption and instant synchronization
Deep Financial Analysis
Advanced AI analyzes patterns across all accounts to predict cash flows, expenses, and identify optimization opportunities
Personalized Strategies
Custom financial plans generated from your specific goals, risk profile, and current financial position
Automated Execution
Execute investment strategies, rebalance portfolios, and optimize account allocations with one-click automation
Connect your accounts and experience the full platform
From Setup to Success
in Under 5 Minutes
Four powerful modes working together. Connect, Analyze, Strategize, and Transact - all automated by AI.
Connect Your Accounts
2 minutesLink all Canadian banks, credit cards, investments, and financial accounts in one secure platform
Analyze with AI
InstantAI instantly analyzes your finances, credit score, spending patterns, and identifies opportunities
Strategize Your Wealth
Real-timeReceive personalized strategies for debt reduction, credit building, and investment optimization
Transact & Automate
24/7Execute payments, transfers, and investments with AI-powered automation and continuous optimization
Simple, Transparent Pricing
No Hidden Fees
Access all four modes - Connect, Analyze, Strategize, and Transact. Choose your power level.
Starter
Experience all four modes with basic features
- Connect up to 3 accounts
- Basic AI analysis
- Monthly financial strategies
- Manual transactions only
- AI chat (10 messages/month)
- Advanced analytics
- Automated transactions
- Priority support
Pro
Full power of Connect, Analyze, Strategize & Transact
- Connect unlimited accounts
- Real-time AI analysis
- Unlimited AI strategies
- Automated transactions 24/7
- Credit score optimization
- Debt consolidation tools
- Priority email support
- Business features
Pro Plus
Premium AI capabilities with Obsidian card benefits
- Everything in Pro
- Earna Obsidian credit card
- Advanced AI predictions
- Unlimited AI chat & analysis
- Premium investment strategies
- Tax optimization AI
- VIP customer support
- Exclusive financial insights
All plans include 256-bit encryption, Canadian data storage, and PIPEDA compliance
Experience All Four Modes
Connect • Analyze • Strategize • Transact
Join thousands of Canadians using our four intelligent modes to automate their entire financial life. From connecting accounts to executing transactions, let AI handle everything.
Loved by Canadians
Coast to Coast
Join thousands of Canadians who have transformed their financial lives with Earna AI
“Earna AI helped me save over $2,000 per month by optimizing my business expenses and identifying tax deductions I was missing. The AI insights are incredibly accurate.”
Sarah Chen
Small Business Owner
Toronto, ON
“The TFSA/RRSP optimization alone saved me $8,000 in taxes last year. The AI's investment recommendations have beaten my old advisor's returns by 3%.”
Michael Rodriguez
Software Engineer
Vancouver, BC
“I love how it connects all my accounts in one place. The AI caught duplicate subscriptions and negotiated better rates, saving me $400 monthly without any effort.”
Jennifer Park
Healthcare Professional
Calgary, AB
“As a freelancer, tracking expenses was a nightmare. Earna AI automates everything and even helps with quarterly GST/HST filing. It's like having a personal CFO.”
David Thompson
Freelance Designer
Montreal, QC
“The predictive cash flow feature helped me avoid overdraft fees and plan major purchases. My credit score improved by 85 points in just 3 months.”
Amanda Williams
Marketing Manager
Ottawa, ON
“Even in retirement, Earna AI helps optimize my pension withdrawals and investment income. The tax strategies alone save me thousands annually.”
Robert Kim
Retired Teacher
Halifax, NS
Common Questions
Learn how our four intelligent modes work together to automate your entire financial life
Still have questions?
Ask Our AI Assistant