Hey r/CanadaFinance,
After Mint shut down, I tried every alternative and kept running into the same problem: they all want your bank login credentials through Plaid or similar. I never loved that, especially after reading about Plaid's data practices.
So I spent a few months building something different. It's called Ledger AI — you just upload a PDF or CSV statement from your bank, and it extracts every transaction, categorizes your spending, detects recurring subscriptions, and lets you ask plain-English questions like "how much did I spend on food last month?"
What it does:
- Reads PDFs and CSVs from any bank
- Auto-categorizes transactions using AI — you can correct any wrong ones
- Detects subscriptions and shows you their annualized cost
- Dashboard with spending trends, category breakdowns, and monthly comparisons
- AI Copilot, you can ask questions about your own finances
What it doesn't do:
- It does NOT connect to your bank
- It does NOT store your bank credentials anywhere
- It is NOT a financial adviser — it's a tool to help you see your own data more clearly
I'm a solo developer, and this is a legitimate early launch. I'd genuinely appreciate feedback — especially if something breaks or a statement from your bank doesn't parse correctly.
Website: useledgerai.com
Happy to answer any questions about how it works under the hood.