Built in Waterloo, for students and new grads
Find the moneyyou're leavingon the table.
Wingmo goes through how you actually spend and shows you, line by line, what you could keep. Forgotten subscriptions, bank fees, the wrong credit card, benefits you never claimed.
- 🔒 Read-only bank access
- 🙅 Never lends you money
- 📱 iPhone and Android
wingmo
your money wingman
ok I went through your last 90 days 👀
found a few things
You could keep
$419/yr
- Apple Music (you only open Spotify)$143
- Chequing account fee$192
- Better card for your food spending$84
wait that's actual money
it is. want me to walk you through each one?
How it works
Two minutes to set up. Ten seconds a day after that.
- 1
Connect, or don't.
Link your bank read-only, or just upload a statement. Wingmo never sees or stores your bank password.
- 2
Get the real picture.
In about a minute: where your money went, what repeats every month, and what you could keep.
- 3
One nudge a day.
A short daily check-in in the tone you pick. Set a goal and Wingmo keeps you honest about it.
Your wingman, your rules
Pick how honest you want it to be.
Situation: you spent $87 on takeout this week. Your plan was $60.
hey, takeout's at $87 this week. no stress, you're $27 over what you planned. cook twice and you're back on track 👍
Made for Canada
Knows how money works here.
Most money apps are built for Americans and shrug at everything Canadian. Wingmo starts here, with the accounts, benefits and cards you actually have.
- TFSA and FHSA room
- GST/HST credit
- Canada Workers Benefit
- Provincial credits
- Canadian cards and points
- Co-op and part-time pay
- Interac e-Transfers
- Tuition credits
Promises
What Wingmo will never do.
Lend you money.
No cash advances, no loans, no payday tricks. A wingman doesn't get you into debt.
Sell your data.
Your transactions are yours. We don't sell them, rent them, or hand them to advertisers.
Hide how we get paid.
If we ever earn from a recommendation, it says so right next to it, and we still show you the best option, paid or not.
Make up numbers.
Every dollar figure is calculated from your real transactions. The AI explains the math. It doesn't invent it.
FAQ
Questions, answered.
Is it free?+
The core app is free. Later there'll be a paid plan with extras, like shared budgets with roommates or a partner.
When can I use it?+
We're letting people in from the waitlist in small batches, in order. Invite 3 friends who join and you skip ahead to the first batch.
Is it just for Canada?+
Canada first: Canadian banks, cards, TFSAs and government benefits. The US comes next.
Is this financial advice?+
No. Wingmo helps you understand your own spending and points out options. It won't tell you what to invest in.
Is my data safe?+
Bank connections are read-only and go through established providers, so we never see your login. Your data is encrypted, and you can delete it whenever you want.