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Side-by-side view of Personal, Portfolio and Business.
Explore →Product feature guide
A clear view of what Cashflow Pilot can do.
Explore the Personal, Portfolio and Business capabilities in one place, including which features are included and which may need extra setup.
Capability matrix
Find the workflow you need.
“Built in” describes features available in the product, but not every institution, statement format or tax situation is supported. “Optional” requires additional setup or permission.
| Capability | Availability | Details |
|---|---|---|
| Supported statement imports | Built in | CSV, PDF and OFX import paths depend on statement formats and extraction quality. |
| Pending review, categorization and rules | Built in | Merchant cleanup, rule diagnostics, duplicate review and corrections. |
| Transfer matching & statement reconciliation | Built in | Match internal transfers and compare imported statement activity with expected balances. |
| Category funding & monthly targets | Built in | Funding amounts, rollover and sinking-fund style budgeting. |
| Upcoming bills & subscriptions | Built in | Recurring expenses, payment planning and management. |
| Cash-flow forecasts | Built in | Project known and recurring income/expenses over upcoming periods. |
| Goals & debts | Built in | Track savings goals and liabilities. |
| Income over time & spending analysis | Built in | Charts, reports and monthly comparisons. |
| Configurable Home widgets | Built in | Choose and rearrange widgets across the supported interface. |
| Holdings across accounts | Built in | Market values, currencies, ownership and portfolio aggregation. |
| Account / owner history | Built in | Daily account and owner-level value history where available. |
| FX conversion and history | Built in | CAD display with supported currency conversion and history. |
| Wealthsimple & Dividend Pilot imports | Built in | Supported existing import paths; available fields vary by source. |
| Sun Life external integration | Optional | Requires external extension workflow and correct account setup. |
| Manual holding and cash updates | Built in | Update holdings and cash balances manually when an import does not include everything. |
| Double-entry ledger & financial statements | Built in | Chart of accounts, journals, balance sheet and income reporting. |
| Bank/card review & reconciliation | Built in | Pending/posted flows, fiscal locks and reconciliation checks. |
| Invoices & receivables | Built in | Customers, products, invoices and accounts receivable workflows. |
| Bills & payables | Built in | Suppliers, bills, payments and payable activity. |
| Canadian payroll & year-end workpapers | Built in | Supported province/year calculation rules; verify against current CRA requirements. |
| Fixed assets, GST/HST & accountant exports | Built in | Supported register, tax workpaper and accountant adjustment workflows. |
| CAD/USD accounting controls | Built in | Reviewed year-end adjustments, currency safety checks and transfer handling. |
| Local-first storage | Built in | Core financial records are locally available, with optional Cloud Sync. |
| Optional Cloud Sync | Optional | Sign in and enable sync for supported namespaces; some sensitive fields stay local. |
| Optional bank connections | Optional | Only where the option is offered in the app. Bank and provider coverage varies, and third-party fees may apply. |
| Use Cashflow Pilot without bank connections | Built in | Add financial accounts and import supported statements without sharing bank sign-in details. |
| Backup & restore | Built in | Export and restore local data; verify backups before relying on them. |
| Newsletter consent | Optional | Separate marketing opt-in; not required for login or Cloud Sync. |
Connections and import options may differ by bank, account, device and app version. Check the available choices in your app.
Free to use · Actively improving
Start today. Explore more as you need it.
Cashflow Pilot has no required app subscription for its current tools. Use one workspace or all three. Improvements keep coming, and you choose whether to connect a bank.
Get started
Prefer a guided workflow?
Use the help centre to import your first statement, understand Cloud Sync and learn how to back up financial records.
Personal setup
Start with accounts and transactions. Add budgets and cash-flow planning as your records become complete.
Portfolio setup
Map accounts and owners, import holdings and verify the currency and cost-basis treatment.
Business setup
Set up your company and chart of accounts before importing accounting activity.