Looni turns your real accounts into a game worth playing — spot what's leaking, grow your loon, and build wealth one small move a day. Not another dashboard you'll ignore.
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The average Canadian quietly loses hundreds a year — to fees, dead subscriptions, and idle cash. Not because they're careless. Because checking your money feels like a chore, so nobody does.
The monthly account fee you forgot you pay — every year, on autopilot.
The renewals you don't use, but your bank never forgets to charge.
Savings earning 0.01% while high-interest accounts pay 4%+.
Others gamify practice investing with fake stakes. Looni plays your real financial life — hit a goal and your world blooms, drift and the storm rolls in. You open it because you want to.
Link accounts through Plaid in 2 minutes. Read-only — Looni can never move your money.
It hatches into a world built from your real balances. Machine learning learns how you spend.
Hit a goal and the world blooms; drift and it storms. You level up as your money grows.
Looni reads every transaction across your Canadian accounts, flags the money quietly leaking out — then hands you the exact fix.
Start scanning free →TFSA room, debt vs invest, RRSP timing — your coach knows your numbers and the Canadian rules. Not a generic Google answer.
Most money apps profit when you stay confused. Looni only earns when it actually saves you money — so our incentive is the same as yours.
When Looni finds you a better bank, HISA, or card and you switch, the partner pays us a referral fee. You save money; we get paid for the result — not the click.
Power tools (AI Coach, card optimizer, bill negotiation) live in Pro. The core optimizer and the game stay free forever, funded by the referral model above.
Looni connects read-only — we can see the leaks, but we can never move a cent. The same bank-grade security you already trust.
Bank-grade, in transit and at rest.
Built to Canadian privacy law.
We can see the leaks — never touch your money.
We never sell or share your data. Ever.
Start free and keep more of your money today. Only upgrade when the AI toolkit saves you more than it costs — which, for most people, is week one.
Free is funded by referral fees from partner banks when Looni saves you money — never by ads, and never by selling your data.
Send a friend to Looni. When they ditch their bank for a Looni partner, you pocket $5 — and they get a month of Pro, free. For once, the bank's the one paying you.
Get your referral link →Join the waitlist to grab your link — every friend who joins moves you up the line.
No fluff, no jargon — straight answers on the money decisions Canadians actually face.
Mint shut down. Monarch, YNAB, Simplifi, KOHO — honestly compared for Canadians in 2026.
Read the guide → SavingsYour bank pays 0.01%. These pay 2.75%+ (and up to ~4.6% on promos). The real Canadian list.
Read the guide → CreditWhy paying only the minimum keeps you in debt ~20 years, and the simple switch that clears it in two.
Read the guide → CalculatorSee what breaking your mortgage early really costs — three months' interest vs the IRD, and the posted-rate trick.
Open the calculator →Never. Looni uses read-only Plaid connections — we can see transactions, but we have zero ability to move or access your funds. It's the same technology used by Wealthsimple, Mint, and major Canadian banks.
Your bank's app shows you transactions — it doesn't tell you when you're overpaying. Looni detects the difference between what you're paying and what you should pay, then gives you step-by-step instructions to fix it.
Everything — Safe-to-Spend dashboard, behavioral action cards, one-touch bank switching, partner arbitrage, Looni Tree & streaks, Money Leak Scan, and your Looni Score. It's $0 forever, funded by referral fees from partner banks when Looni saves you money.
Pro unlocks the full AI toolkit: unlimited AI Coach sessions, Credit Card Optimizer, Bill Negotiation AI, Rent Rewards Optimizer, advanced analytics, and priority support. It pays for itself within a week for most users.
Yes — Looni is purpose-built for Canada. Our financial intelligence is calibrated to Canadian banks (TD, RBC, BMO, CIBC, Scotiabank), Canadian telecom pricing, TFSA/RRSP rules, and Canadian merchant data.
Yes. Your banking username and password go directly to Plaid's encrypted vault — they never pass through or get stored on Looni's servers. We only receive read-only transaction data after you authorize it.
Join the waitlist. Invite friends. The earlier you're in, the sooner your loon hatches.
Canada's independent financial optimizer · not financial advice · Looni is not a bank · read-only via Plaid.
Love it, hate it, found a bug? The loon reads everything.