The family CFO that finally just gets it.
Kinly tracks every dollar, reconciles your statements automatically, and emails you one calm paragraph each morning telling you exactly where you stand. Built for couples who’d rather talk about anything else.
Magic-link sign in · 14-day trial · Friends-and-family coupon = $0/mo
You’re tracking well this month. Dining is at 62% of budget with two weeks left — slightly above pace. With your unused FHSA room, moving $400 from chequing into your FHSA before month-end defers roughly $120 in tax this year.
Built on the same primitives banks use
Features
Capture every dollar without lifting a finger.
Most personal-finance apps want you to type in your transactions. Kinly captures them five different ways and merges them into one clean ledger.
Drop your monthly credit-card PDF. Claude parses every line in seconds and reconciles them against everything you’ve already tracked.
Snap a photo of any receipt. Kinly pulls out the merchant, line items, tax, and total — and flags capital purchases over $500 for amortization.
Connect Gmail once. Every transaction confirmation that arrives — Uber, Amazon, Cineplex — is detected, parsed, and matched. Non-financial mail is discarded, not stored.
Every household gets a private inbox alias. Forward a Rogers bill or Costco receipt and Kinly files it in the vault, ready for tax season.
When the matcher isn’t sure, you decide. Merge or skip — same UX as your email inbox, minus the noise.
The Today brief
One paragraph each morning. No spreadsheets required.
Kinly’s advisor writes you a calm, plain-English brief at 7am local. Where you stand, what to do today, and (in Phase 2) specific contribution recommendations tied to your unused FHSA / TFSA / RRSP room.
Both spouses get their own private brief covering shared activity plus their private items. The other spouse’s private items never appear in your brief, and vice versa — enforced at the database layer, not the UI.
Good morning. You spent $184yesterday across groceries (Loblaws) and dining (Uber Eats). Month-to-date you’re at $2,180 against a household budget of $3,500.
Dining is the one envelope to watch — at 62% with two weeks left. At current pace you’ll finish ~$80 over.
One specific thing for today: your FHSA has $7,200 of room this year. Moving $500 from chequing locks in roughly $140 of tax deferral.
Privacy & security
Designed so even we can’t see your data.
Your data lives in Neon Postgres in ca-central-1 (Montreal). The encryption root sits in AWS KMS in the same region.
Each household gets a unique data key. Sensitive fields are encrypted before they hit the database. The keys never leave AWS KMS.
Mark any transaction private. Your spouse can’t see it — enforced at the database query layer, with CI that fails the build if a query forgets the predicate.
When Kinly uses Claude to parse a receipt or summarize your month, Anthropic’s API doesn’t train on the content. Stated in their terms.
Every change to a transaction and every AI tool call is logged. You can prove what the advisor saw — and what it didn’t.
Built to Canadian privacy law: right to access, right to deletion, breach notification, no cross-border transfers without consent.
Pricing
One plan. One price. Free for the people who got us here.
One subscription, both spouses, every feature.
- Every transaction-capture pipeline (statements, receipts, Gmail, forward-by-email)
- Daily advisor brief — household and personal
- Reconciliation inbox + document vault
- Chat with Kinly about your finances
- Bank-grade encryption with Canadian residency
- 14-day free trial — no credit card
Frequently asked
Questions, answered.
- Is Kinly a bank? Do you hold my money?
- No. Kinly is a planning tool. We never move money or hold balances. We help you understand what you already have.
- How do you read my statements without my bank password?
- You upload the monthly PDF, or forward emails from your bank to your private Kinly inbox. We don't ask for online-banking credentials — open banking via Flinks comes in a later phase.
- Why two domains — kinly.ca and kinlyhq.com?
- Your data lives at kinly.ca (Canadian residency). Our marketing site (this one) lives at kinlyhq.com — it's the front door for the public. The data and the brochure deliberately don't share infrastructure.
- What if my spouse and I want some expenses to be private?
- Mark a transaction as private and your spouse genuinely can't see it. Not just hidden in the UI — the database query physically can't return it. We CI-test for that.
- Where do you live? Who's behind Kinly?
- Toronto. We're a small team of two using Kinly ourselves every day. Phase 1 is private beta — friends, family, and a curated waitlist.