Larch

Larch is a Canadian household money app. Once a month, a household brings in its bank and card statements as CSV or PDF files. Larch sorts the transactions and asks a few questions only when it can't tell what happened. It takes about ten minutes a month.

It shows the household's net worth, for both partners together and for each of them, with every figure broken into parts that add up. It keeps Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP) and First Home Savings Account (FHSA) contribution room right for each person.

It handles the things a real Canadian household has: a mortgage, a rented basement suite, a side business, two people's accounts at different banks. A partner joins by invite link, and each of you sees whose accounts are whose.

Larch never asks for your bank password and never connects to your bank. You bring the statements; your data is stored in Canada, in the Montréal region, behind two-factor sign-in, with Face ID or a passkey if you like. There are no ads, no selling data and no affiliate offers.

Larch keeps your records and shows the arithmetic. It doesn't give financial, investment, tax or legal advice. It is in an open beta: anyone can sign up and start the same day, and nothing is charged.