Income and expenses
What comes in, what goes out, and your projected balance day by day.
Rent on the 3rd, pay on the 7th: you see the dip in between.
Your budget, made clear
Know what you can really spend.
CapSolde looks at your balance, your upcoming payments and the money you keep aside. It tells you what you really have left, so you can decide without unpleasant surprises.
- No connection to your bank
- Data hosted in Canada
- You can download or delete everything
Test version
CapSoldeToday
Estimated available today$855
What you can use without touching your planned payments or the money you keep aside.
Bank balance$3,650
Coming up
RentOctober 3− $950
GroceriesOctober 4− $120
Next paydayOctober 7+ $2,500
Fictional example, in Canadian dollars
Why your balance does not tell the whole story
Your account balance is not what you can spend.
Part of that money is already spoken for: rent, bills and what you want to keep. CapSolde does the subtraction for you.
- In your account$2,450
- Payments due before next payday$1,285
- Money kept aside$500
- What you can really use$665
Fictional example. In your budget, CapSolde also accounts for your envelopes and card purchases, and looks up to a year ahead.
How it works
Three steps, at your own pace.
Enter your balance
The amount your bank shows today. That is your starting point.
Add what is coming
Your income, bills and debts, with their dates. What you do not know yet can wait.
Read what you have left
CapSolde works out what you can use. You confirm payments as the days go by and the amount updates.
Create an account
Six guided steps to get started. You can come back later.
Try it with an example
What if you spent $80 today?
Pick a situation, move the slider and see what would be left. The numbers are fictional.
- In the account
- $3,650
- What you can use
- $855
Upcoming payments and the money kept aside are already taken out.
Calculated looking up to a year ahead.
There would be left$775
It fits. The choice is yours.
Same income and payments in both situations; only the starting balance changes. Nothing is saved.
Why look further than the next payday?
A short period can hide a big bill further out.
CapSolde checks up to a year ahead and keeps the tightest period. Changing the displayed period does not change today’s amount.
Margin over the displayed period$1,865
Lowest projected balance: $2,365 on day 5. After the $500 kept aside, this period’s margin is $1,865.
TodayProjected balance at the end of each dayEnd of period
What you find in CapSolde
All your money, in one place.
Spending envelopes
Set an amount aside for groceries or going out. Each purchase reduces what is left in the envelope.
$200 planned − $50 spent = $150 left
Subscriptions
All your subscriptions, their next dates and their average monthly cost, on one page.
$120 a year = $10 a month on average
Debts
What you owe, your next payments and an estimate of when it will be over.
One debt less is one step further.
Savings and investments
Your goals, planned contributions and your account values, copied from your statements.
A goal can start with a name. The amount can wait.
Your information
Your data stays in your hands.
The examples on this page are fictional and read no account. In the app, you choose what you enter.
No connection to your bank
You enter your numbers yourself. CapSolde never asks for your bank credentials.
Hosted in Canada
Your budget is stored in a data centre in Canada, in the Montréal region.
Yours, from start to finish
Download a copy of your data whenever you want. Delete your account in one click: everything is erased.
Protected account
A password and, if you wish, a 6-digit code from your phone at every sign-in.
Your information and AI assistance
AI assistance is optional. If you request it, your text, the date and the lists of allowed categories and payment methods are sent to the configured AI service. Review your text before sending it. Settings explains what information is shared.
About the forecasts
Forecasts depend on the information you enter. They do not guarantee an outcome or that your bank will accept a payment. Terms of use still need to be finalized before a commercial offering.
A few useful reference points
Understand at your own pace.
Three short reads, with public Canadian sources. Read what helps you, when you need it.
When money worries you, where do you start?
Take stock without judging yourself, then choose one useful first step.
Read the articleA budget that helps you choose
Connect what comes in, what goes out and what remains for your priorities.
Read the articleKeeping track in a way that fits your day
A simple routine to keep your amounts and dates up to date.
Read the articleWritten by CapSolde · Sources listed in every article
Questions
Your questions, answered plainly
Short answers to the questions we hear most.
Why is the available amount lower than my bank balance?
Your balance is the money in your account at one moment. The available amount takes out what is already planned: upcoming payments, envelopes and the money you keep aside. A payment is never counted twice.
What is a spending envelope for?
An envelope sets aside part of your budget for one kind of spending, like groceries. You see what is planned, what is spent and what is left. The money stays in your account: nothing is moved.
How do I add a subscription?
Put the expense in the Subscriptions category, when you set up your budget or later. It appears on the Subscriptions page. A recurring subscription keeps one card, even with several payments.
Why confirm my payments?
A payment may differ from what you planned. Confirming the real amount keeps your budget accurate. If a detail is missing, you can add it later. Confirming $0 does not cancel an expense.
Does CapSolde connect to my bank?
No. You enter your information and confirm your income and expenses. The balance shown in CapSolde is not updated by your bank.
Can CapSolde cancel my subscriptions?
No. You cancel with the provider. Then record the end date and the remaining payments in CapSolde. Past payments are kept.
Start with what you know.
Your balance and your next payments are enough for a first look. The rest can come later.