A personal finance app for Canadians navigating their first career job. Understand your taxes, set savings goals, and actually know where your money goes. Education is built into every step.
June 2026
Good morning, Mobina ๐
Net this month
+$1,247
Income
+$3,800
Expenses
-$2,553
Rate
33%
Health
Strong
Grade B+
Insight
Your savings rate is above the 20% benchmark.
May rent
-$1,800
Paycheque
+$3,800
Grocery run
-$156
0
financial lessons
built for Canadians
0
first-job checklist items
every new grad needs
0
provinces supported
including Quebec
100%
free, forever
no paywalls, ever
How it works
No spreadsheets. No jargon. No bank access required.
Sign up with Google or email in under 30 seconds. No credit card, no billing info. Just your email.
Ferni instantly calculates your exact take-home pay, tax breakdown, CPP, and EI for any of Canada's 13 provinces.
Track spending, set savings goals, work through your first-job checklist, and learn Canadian finance as you go.
Features
Ferni covers the full picture of your financial life, from your first paycheque to your first investment.
Track every dollar in and out. Add transactions by category, mark recurring expenses, and see spending vs. a recommended allocation. No spreadsheet required.
See your exact take-home pay after federal and provincial income tax, CPP, and EI. Available for all 13 Canadian provinces. Plus: RRSP impact and debt payoff calculators.
Set a target, track contributions, hit milestones (25%, 50%, 75%, 100%). Goal templates for emergency fund, TFSA maxout, first home, student debt, and parental leave.
9 financial moves every Canadian new grad should make, from reviewing your pay stub to opening a TFSA. Each item has a deep-dive explanation and lesson link.
16 short lessons on taxes, TFSA vs RRSP, credit scores, investing, emergency funds, salary negotiation, and parental leave. Plus a 40-term financial glossary.
A 0โ100 score across 7 criteria: savings rate, positive net, salary set, goals active, transactions logged, checklist progress, and financial resilience.
Personalized tips based on your actual data: overspending alerts, goal progress, and missing setup steps. No generic advice.
Salary negotiation scripts, parental leave financial planning, and a pay equity panel in the salary calculator. Knowing your worth is part of every career.
The app
Every screen is designed to be clear, fast, and educational, even when you're just checking a number.
Monthly Budget
June 2026
Income
+$3,800
Expenses
-$2,553
Net
+$1,247
Month-end forecast: $2,553. On pace for a positive month.
May rent
Housing
-$1,800
Paycheque
Income
+$3,800
Grocery run
Food
-$156
Coffee & fun
Fun
-$89
Presto card
Transport
-$156
Track income and expenses by month. Mark bills as recurring so they auto-populate every month. Import directly from your bank's CSV export.
7 spending categories with Canadian averages
Spending forecast: projects your month-end total
Month-in-review banner for past months
Budget allocations with overspend warnings
CSV import from any Canadian bank statement
Mission
โMost financial apps are built for people who already have money.
Ferni is built for the moment before that.
Your first real paycheque. Your first time seeing a tax deduction and not knowing what CPP is. Your first apartment, your first TFSA, your first time trying to save and spend and still have anything left.
Ferni is built for that learning curve, by a Canadian who lived it and couldn't find the right tool.
Mobina Toorani
Founder, Ferni
Built for Canadian tax law, Canadian accounts (TFSA, RRSP, FHSA), and Canadian benchmarks. Not a US app with a maple leaf on it.
Salary negotiation scripts, parental leave financial planning, and pay equity tools. The financial system doesn't treat everyone the same, and knowing that matters.
Every feature teaches. Hover any financial term to get a plain-English definition. No acronyms without explanations.
No hidden fees. No upsells. No "premium" features behind a paywall. No financial advice, just information and tools.
The reality for Canadians
63%
of Canadians say money is their top source of stress
It's not a personal failure. It's a system that doesn't teach this.
42%
of Canadians have no emergency fund
Financial precarity is the norm, not the exception.
2 in 3
Canadians have never made a budget
The tools exist. The education doesn't. That's what Ferni fixes.
Roadmap
Ferni is built in public. Every session is documented, every decision is visible. Here's what's live and what's coming next.
Core suite: Budget, Goals, Salary, Learn, Checklist, Health Score
The complete first-job financial toolkit. Free to use today.
Ferni the Mascot + hover glossary + debt payoff calculator
An animated mascot with daily finance tips, inline term definitions, and a debt payoff simulator.
Ask Ferni: AI finance guide
Conversational answers to your Canadian money questions in plain English. No financial advice, just clear information.
Bill calendar
See all your upcoming recurring bills in a calendar view. Never miss a payment, never be surprised.
Net worth tracker
Track assets and liabilities over time. Watch your net worth grow month over month.
Bank CSV smart import
Auto-categorize transactions from any Canadian bank statement using pattern matching.
Monthly email check-ins
A brief monthly digest of your financial health, delivered to your inbox.
Security & Privacy
Built on Supabase (SOC 2 Type II), encrypted in transit and at rest, and open source on GitHub. Trust shouldn't be invisible.
Zero bank access
Ferni never asks for banking credentials, SIN, or account numbers. You control what you share.
Row Level Security
Every query is scoped to your user ID. No code path can ever read another user's data, enforced at the database.
No data selling. Ever.
Ferni makes no money from ads or data brokers. Your financial data is never shared with third parties.
PIPEDA compliant
Built for Canadians, complying with the Personal Information Protection and Electronic Documents Act.
FAQ
Built by a Canadian, for Canadians starting out. Free forever. No ads, no financial advice, no paywalls. Just the tools you needed when you got your first offer letter.
Takes 2 minutes to set up. Sign up with Google โ