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Upload Statements
πŸ“‚

Drop your statements here

PDF statements (Scotia, Rogers, Walmart, Amazon, CIBC) or TD CSV export

Choose Your Goal
πŸ’³

Pay Off Debt

Find the fastest way to eliminate your credit card balances

⭐

Improve Credit Score

Reduce utilization and optimize payments to boost your score

πŸ’°

Control Spending

Set budgets by category and see where your money really goes

🎁

Maximize Rewards

Use the right card for each purchase to earn the most cashback

Upload and analyze your statements first, then run a simulation here.
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Upload and analyze your statements to see your spending breakdown.
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Claude API
PDF statement analysis
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Gemini API
Strategy advice & reports (free tier)
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Google Account
Sheets, Drive, Docs & Gmail
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Spreadsheet
Auto-created on first save
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Your Cards Summary
Total Debt
β€”
Total Limit
β€”
Utilization
β€”
β Ώ Drag the β Ώ handle on any section to reorder
β Ώ drag to reorder
Funding Gap Tracker
Durham College β€” Winter 2027
$11,753.74 needed
Funded so far
β€”
0%
$0remaining$11,753.74
Gap Remaining: β€”
β Ώ drag to reorder
Monthly Budget Dashboard
Income
$6,214.73
Expenses
$5,687.68
Net Surplus
$272.00
πŸ’‘ Saves $310/mo β†’ net surplus $272.00/mo
Milestones Timeline
⏳ β€” days until key milestone
Countdown to:
β Ώ drag to reorder
β Ώ drag to reorder
All Available Funds
🍁 Canadian Banks & Savings (CAD)
Subtotal CAD: $0.00
πŸ‡΅πŸ‡­ Philippine Banks (PHP β†’ CAD)
Using rate: 1 PHP = β€” CAD
Subtotal (in CAD): $0.00
πŸ’° Total Available Funds (CAD) $0.00
β Ώ drag to reorder
Philippines Funding Sources
PHP β†’ CAD Exchange Rate
1 PHP = CAD (β‰ˆ 42.55 PHP/CAD)
Total PH Funding (CAD) $0.00
β Ώ drag to reorder
What-if Simulator
Type exact amounts or drag the slider β€” all values feed the gap tracker above.
Total Funded
β€”
Remaining Gap
β€”
Status
β€”
Estimated Credit Score
β€”
Upload statements to calculate
Based on credit utilization Β· actual score may vary
Total Balance
β€”
Total Limit
β€”
Utilization
β€”
Cards ≀ 30%
β€”
Canadian Credit Score Ranges
300–559
Poor
560–659
Fair
660–724
Good
725–759
Very Good
760–900
Excellent
Score factors: Payment history (35%) Β· Credit utilization (30%) Β· History length (15%) Β· Credit mix (10%) Β· New inquiries (10%).
To improve: keep each card under 30% utilization, always pay on time, avoid closing old accounts.
What-if Payment Simulator
Enter a payment for any card to see how utilization and your estimated score change.
Upload statements first.
After simulated payments:
New Overall Utilization β€”
Estimated Score β€”
Per-Card Utilization Breakdown
Upload and analyze statements to see your card utilization.
PHP/CAD Rate: 1 PHP = CAD Rate in use: 0.0235
πŸ‡΅πŸ‡­ PH Bank Balances (PHP)
Total PHP β‚±0.00
β‰ˆ in CAD $0.00
πŸ’Έ Fund Sources Received (PHP)
Label Β· Amount (PHP) Β· Date received
Total Received β‚±0.00
🍁 CAD Funds
Total CAD $0.00
πŸ“‹ IRCC Requirements & Fees
Total Fees (CAD) $0.00
Total Available (CAD equiv.) $0.00
Net after fees $0.00
πŸ“… Monthly Dues Tracker (PHP) β€” running balance auto-calculated
πŸ—’οΈ Next Steps
πŸ“‚ Document Checklist