The budget app that speaks Canadian dollars.

Connect Canadian accounts through Plaid

Sprout connects to eligible Canadian institutions through Plaid, the bank-connection network behind many finance apps. That includes big banks and credit unions where Plaid supports them. Coverage depends on Plaid, so the connection screen shows exactly which institutions are available to you before you sign in.

Plaid runs the bank sign-in, so Sprout never sees or stores your banking password. You choose which chequing, savings, and credit card accounts to share, and the access is read-only. Sprout can read transactions and balances and nothing else. Our guide to whether Plaid is safe explains how the connection works.

CAD stays CAD

Plenty of Canadians hold a US dollar account or card for travel, cross-border shopping, or work. Sprout keeps every amount in its original currency. Canadian dollar spending is reported in CAD, US dollar spending in USD, and the two are never combined or converted at a guessed exchange rate.

So when you ask what you spent in September, you might see CA$3,186 on your chequing and Visa plus US$412 on your US dollar card, as two separate figures. That keeps every total checkable against your statements, which is the whole point of answers that come with receipts.

Canadian pricing, in Canadian dollars

Sprout Plus costs CA$129.99 per year or CA$12.99 per week in Canada. Eligible Apple accounts get a 3-day free trial on iPhone. You subscribe in the iPhone app, and Apple confirms the local price and your trial eligibility before you pay.

The subscription renews automatically unless you cancel at least 24 hours before the end of the period. Deleting your Sprout account does not cancel the Apple subscription, so cancel through Apple as well. You can explore Sprout with fictional sample data before you connect a bank. Full details are on the pricing page.

Ask where your money went

Sprout is a spending tracker you can talk to. Ask how much you spent on groceries since Thanksgiving, what your phone and streaming bills cost per year, or whether this month is running ahead of last. Sprout searches the right accounts and dates and shows the transactions behind each total.

• Spending by category or merchant for any date range, plus your biggest purchases.
• Subscriptions and recurring bills with estimated next dates, annual cost, and price changes. See the subscription tracker.
• Cash flow in and out of your chequing account by week or month, with transfers between your own accounts excluded.
• Period comparisons with the exact dollar change and percentage.
• Unusual charges, like an unusually large expense or a possible duplicate, flagged for you to review.

Budget questions without the envelopes

Sprout doesn't ask you to set up budget envelopes or reassign categories every month. It answers budget questions instead. Ask how your dining spending compares with the spring, or how this month's pace looks against last month, and you get a number from your own data. Read more about Sprout as a budget app.

Sprout is informational. It doesn't give financial, investment, tax, or legal advice, and it can't move money, pay bills, or change your accounts. It shows you what happened clearly enough that the next decision is yours, and an easy one to make.

On iPhone, Mac, and the web

Sprout runs on iPhone and iPad, on the Mac through the Mac App Store, and in any browser at app-sprout.z4k.app. On iPhone you also get Home Screen and Lock Screen widgets, a Live Activity for today's spending, and the daily Money Minute check-in. Search for Chat With Your Finance on the App Store.

If you use Claude, you can connect Sprout there too and ask about your Canadian accounts from the chat. Sign in with Apple, Google, or email, and your conversations stay saved, so follow-up questions keep their context from one day to the next.