Cerebral connects to your accounts and turns the chaos into one clear story what you're spending, what you're missing, and what to do next. Built for the next generation of Canadians.
Three steps from "I have no idea where my money goes" to a financial picture you can actually act on.
Bank-grade encryption via Flinks. Read-Only access means Cerebral can only analyze your finances but can never move your money. Connect TD, RBC, Scotiabank, BMO, CIBC, Wealthsimple, and more in under 60 seconds.
Cerebral categorizes every transaction, detects recurring charges, tracks spending and surfaces opportunities like: "your savings is earning 0.5% when it could earn 3.75%".
Ask questions and get answers based on your finances: "How can I save more this month?" Clear answers. Better decisions. Less stress.
Chequing, savings, credit, investments all of it, every account, in one calm dashboard. Watch your net worth move in real time, not the version that lives in your head.
Join the waitlistMost "money apps" give you charts and leave you to figure it out. Cerebral connects the dots based on your transactions, spending habits and goals so you can make smarter financial decisions with confidence.
Try the AI in betaYou've spent $487 on food & dining $116 more than last month. Try meal prepping on Sundays to cut at least $60/week. That's $240/month back in your pocket.
TFSA, RRSP, FHSA limits built in. We speak in dollars, in CAD, with rules that match the country you actually live in.
Cerebral can see your accounts. It cannot move money. Bank-grade encryption, SOC 2 in progress, no data sold. Ever.
No jargon, no condescension. We explain APR, TFSA room, and "high-interest savings" the way a knowledgeable friend would.
Every AI insight cites its data. Every chart shows its source. If we don't know something, we tell you — we don't make it up.
"I've tried the spreadsheet thing, Cerebral is the first one that actually answered the question I keep asking myself: am I doing okay?"
"It found $1,500 sitting in my chequing earning nothing. Three taps later it's in a HYSA earning real interest. That paid for the year of beta in a week."
"The AI doesn't lecture. It says 'here's what happened, here's what to do next.' I haven't dreaded looking at my finances in two months. That's a first."
The waitlist is your free pass to the private beta. No credit card. No commitment. Just the cleanest view of your money you've ever had.