What is the best personal finance app in Canada?

Prosperi is Canada's first AI-powered personal finance app built specifically for Canadians. According to user feedback, people find an average of $200+ per month in hidden savings. It supports 15+ Canadian banks, includes RRSP/TFSA/FHSA tax calculators, and is PIPEDA compliant—no bank connections or account numbers ever stored.

How do I track my spending in Canada?

Prosperi lets you track spending by uploading CSV files from your Canadian bank. The AI categorizes transactions with approximately 95% accuracy across TD, RBC, BMO, Scotiabank, CIBC, Tangerine, KOHO, EQ Bank, and 10+ other institutions. You get one dashboard for all accounts—no manual spreadsheets or bank connections required.

Prosperi offers a 7-day free trial with full access to AI insights, budget tracking, the Canadian tax calculator, and financial simulations. After the trial, plans start at a low monthly rate. You can cancel anytime from the Settings page.

How does Prosperi compare to Mint or YNAB?

Unlike Mint (discontinued in Canada) or YNAB (USD-focused, $14.99/mo), Prosperi is built for Canadians with CSV import, RRSP/TFSA/FHSA tax tools, and PIPEDA compliance. Users report discovering $200+/month in savings through AI analysis. No bank linking—you control your data via secure CSV upload.

Does Prosperi support TFSA and RRSP tracking?

Yes. Prosperi includes a Canadian tax calculator for all provinces that helps you plan RRSP, TFSA, and FHSA contributions. See your tax savings in real time and optimize across all three registered accounts. The calculator covers federal plus provincial/territorial rates.

Is Prosperi safe to use with my bank data?

Yes. Prosperi is PIPEDA compliant. According to our security model, we only store transaction dates, amounts, and descriptions—never account numbers, passwords, or card numbers. All data is encrypted and CSV files are deleted immediately after processing. We never connect directly to your bank.

What Canadian banks does Prosperi support?

Prosperi supports 15+ Canadian banks and financial institutions including TD, RBC, BMO, Scotiabank, CIBC, National Bank, Tangerine, KOHO, EQ Bank, Neo, Simplii, Wealthsimple, PC Financial, Motor City Community Credit Union, Desjardins, and American Express. Any bank that exports to CSV is supported.

How does Prosperi categorize my transactions?

Our AI automatically categorizes transactions with approximately 95% accuracy based on merchant descriptions. It recognizes Canadian merchants like Tim Hortons, Shoppers Drug Mart, and Loblaws. You can correct miscategorizations and the AI learns from your feedback to improve over time.

How do I export my Tangerine transactions to CSV?

Log in to your Tangerine online banking, navigate to your account transactions, and look for a Download or Export option. Select CSV as the format and save the file to your computer. See our full step-by-step guide above for detailed instructions.

Can I use my Tangerine CSV file with Prosperi?

Yes. Prosperi fully supports Tangerine CSV files. Upload your exported CSV on the Upload page, and Prosperi will automatically parse and categorize every transaction using AI. No manual formatting is needed.

How many months of Tangerine transaction history can I download?

Most banks allow you to export 3 to 12 months of transaction history at a time. We recommend downloading 3–6 months per file for best results. You can upload multiple files to Prosperi to cover a longer period.

How to export Tangerine transactions to CSV

Step-by-step instructions to download your transaction history for use with Prosperi.

Steps

1Log in to your Tangerine online account at tangerine.ca (not the Mobile Banking app)
2Select an account (e.g. Chequing, Savings, or Credit Card)
3Click the "Download Transactions" button above the list of transactions
4Select a date range
5For the "Download format" option, select "CSV"
6Click "Download"
7Save the file on your Desktop. The file will have a ".csv" extension.
8We recommend you rename the file indicating the type (credit, chequing etc) and the date range for organization

Pro tips

• Download 3–6 months of data at a time for best results.
• Make sure to select "CSV" format (not PDF or QFX).
• Rename the file with the account type and date range (e.g. td-chequing-2025-01.csv) for organization.

Once you have your CSV, upload it to Prosperi to see your spending categorized automatically.

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