Free family budget app for Canadian households
See where your money goes, set a monthly budget, save for what matters and find out which credit card would earn your family the most, based on how you really spend. Free, in Canadian dollars, on your phone and computer.
No credit card needed. Made in Manitoba by RavunoQ Canada Inc.
What you can do
Let AI sort your spending
Import bank or credit card statements as CSV, OFX or QFX files, or snap photos of statement pages and receipts. Every purchase lands in a category: groceries, gas, dining out, bills, kids, travel and more.
Set a monthly budget
Pick an amount for each category, or fill it from your own 3-month average. Bars turn amber at 80% and red when a category goes over.
Save for goals
Track an emergency fund, a vacation, a down payment or your child’s RESP, with a target amount, a target date and what you have saved so far.
Find your best credit card
See the cards that fit your household’s spending, ranked by the dollars you would keep each year after the annual fee.
How the best credit card is worked out
Most “best card” lists rank cards for an average person. RavunoQ ranks them for your family. It uses your last 12 months of spending by category (or your own monthly estimates), then for each card it applies:
- the earn rate in each category, such as groceries, gas, recurring bills, dining or travel
- yearly spending caps, after which a lower rate applies
- the annual fee, and the first-year fee if it is waived
- the welcome offer, shown separately as first-year value
- a note on cards with no foreign transaction fee, if your family travels or shops in US dollars
Here is an example for a family spending about $3,300 a month:
| Category | Per month | Per year |
|---|---|---|
| Groceries | $697 | $8,364 |
| Gas | $326 | $3,912 |
| Dining out | $247 | $2,964 |
| Recurring bills | $410 | $4,920 |
| Everything else | $1,620 | $19,440 |
For this family, the top-ranked card earned about about $800 a year in rewards after fees, compared with about $400 on a basic 1% card. Your result depends on your own spending, which is the point.
Cards are ranked only by your benefit. RavunoQ may earn a commission if you are approved through a link, which never changes the order. Read the affiliate disclosure.
Private by design
Your income and spending stay in your own RavunoQ account. We never share them with banks, card issuers or advertisers, we never check your credit and we never apply for anything on your behalf. Read the privacy policy.
Questions
Is the RavunoQ family budget really free?
Yes. Families pay nothing, now or later. RavunoQ may earn a commission if you are approved for a credit card through a link in the app, and that is how the family budget stays free.
How does the app pick the best credit card for my family?
It takes your own spending over the last 12 months, or your monthly estimates, split into groceries, gas, dining, recurring bills, travel and other purchases. For each card it applies the earn rate for each category, any yearly spending caps, the annual fee and, for the first year, the welcome offer. Cards are then ranked by the dollars your family would actually keep.
Do you share my spending with banks?
No. Your income and spending stay in your RavunoQ account. When you click a card link, the bank sees that you came from RavunoQ but receives nothing about your spending. We do not check your credit.
Can I import my bank and credit card statements?
Yes. Import a statement as a CSV, OFX or QFX file, or snap photos of the pages or of receipts. AI reads the purchases and sorts them into categories, and you can change any category before it is saved.
Does it work on my phone?
Yes. It runs in the browser on iPhone, Android, Windows and Mac, and you can add it to your home screen so it opens like an app. Family members can share one account.
Is this financial advice?
No. Card results are estimates for information only. Card rates, fees and offers change, so always confirm the terms on the bank’s website before you apply.
Start in two minutes
Enter your family name, email and a PIN. Your family code arrives by email, and you can import your first statement right away.