A complete picture of the features included in MoneyLens, from bank syncing and AI document extraction to Canadian retirement planning.
Accounts and syncing
Plaid connections to 250+ Canadian financial institutions
Balances and transactions refreshed on demand, unlimited on paid plans
Automatic duplicate detection when a statement and a bank feed overlap
Connection health monitoring with one-click repair and reconnect
Cascading deletion so removing a bank removes its transactions
AI document processing
Upload PDF and image statements, receipts, T4s and T5s
Confidence badges on each extracted field, with an explanation of the score
Manual editing with field-level diffs and a filterable override history
Live impact preview showing how an edit changes the ledger and budget
Report an incorrect extraction, logged to the audit trail
Transactions and categories
AI categorization that respects every manual correction you make
Custom categories typed as income, expense or both
Credit-card payment linking so transfers are not double counted
Bulk recategorization with undo
Multi-currency normalization to CAD with a conversion badge
Budgets, goals and insights
AI Budget Builder with rule explanations and scenario comparison
Rollover budgets and threshold email alerts
Goal tracking with progress against real cash flow
Proactive insights with drill-down into the underlying transactions
Planning and investing
Monte Carlo retirement projections
RRSP, TFSA and FHSA room tracking and contribution planning
Portfolio analysis, drift rebalancing and investment screening
Tax optimization and withdrawal-order strategy
Debt versus investing optimizer
Financing metrics: GDS and TDS for personal, DSCR for business
The AI agent
Available on every plan. It reads your data, calls the right tool for the question, shows what it is doing while it works, and keeps a persistent memory of your preferences.