Hi. We’re the people behind FinlyWealth.

We’re a small Canadian company. We help you choose a credit card, a bank account or a place to invest by doing the math properly, and when you sign up for one through us, we send part of what the bank pays us back to you, in cash. Now we’re building Finly Money, the money app we set out to make from the very beginning. This page is the longer story of who we are and why we work this way.

How Finly started

Kevin and Abid started Finly in North Vancouver in 2023. Before that, Kevin spent years as a data scientist and Abid as a software engineer, both at tech companies. They kept running into the same problem: choosing a credit card in Canada took far more work than it should, and the tools meant to help weren’t really doing the math.

A card would promise 4× points on groceries, and further down the page it would say the 4× stops after $500 a month. Comparison sites folded that into one generous average. Many of them were built for the US, so they missed what matters here, like Costco and Walmart usually not counting as groceries on a Canadian card, or how many shops don’t take Amex.

Then there was the money nobody mentions. Banks spend a lot to win each new customer, much of it on advertising and on commissions to the websites that send people their way. Kevin and Abid thought a fair share of that should go to the customer instead. That idea became Finly.

From the first day, though, the goal was bigger than comparing cards: an app that gives Canadians one place to see all of their money, understand where it goes and keep more of it. Comparing cards and paying rebates came first. The app is what we’ve been working toward ever since.

What we built first

Every card on Finly is scored by models we wrote from scratch, with each cap, monthly limit and annual maximum applied the way the card really applies it. If a card pays 4× on the first $500, we count 4× on the first $500 and 1× after that. Upload a statement to our rewards calculator and it sorts your real purchases and shows what each card would have paid you, not an imaginary average shopper.

Finly now covers more than 150 credit cards, bank accounts and brokerages, and we work with over 30 Canadian financial institutions, including most of the big banks. When you’re approved for a product through us, we share our commission with you as a cash rebate, sent by Interac e-Transfer. There are no points to redeem and no gift cards. So far that adds up to about $1.9M paid back to members.

The app we set out to build

Finly Money is that app. Connect your Canadian banks and cards read-only, or upload a statement, and every transaction is sorted for you. It finds your subscriptions and bills and tells you what’s due next, builds a budget from your real income, and adds up everything you own and owe, your TFSA, RRSP and FHSA included, into one number you can watch over time.

It’s also where everything we learned along the way comes together. The rewards math we wrote to compare cards now runs on your own purchases, so Finly Money can show what each of your cards really earned, caps and all, and what another Canadian card would have paid you instead. And you can ask Fin, our AI assistant, about your spending, your budget or your bills, in the app or by text.

We built it for Canada only. The best-known budgeting apps were made for Americans first, and Mint, the one many Canadians relied on, closed in 2024. Finly Money is live now, and every plan starts with a free trial. You can see everything it does, or start from the Finly Money home page.

Who we are

There are only a few of us, spread between British Columbia and Ontario. Being small means the people answering your message are usually the same people who built what you’re using.

How we make money

Banks and other financial companies pay us a commission when someone they approve came to them through Finly. Most comparison sites are paid the same way. The difference is that we give most of ours back to you, as cash. Finly Money works differently: it’s paid for by the people who use it, through a monthly plan.

What a company pays us doesn’t decide how we rank or review its products. Our reviewers don’t see what we earn on a card before they score it, and the rules we hold ourselves to are public, in our editorial guidelines and our rating methodology.

Say hello

If you have a question, spot a mistake or have an idea for us, send us a message. It comes straight to the team. Finly Money is new, so notes about the app are especially welcome. If you’re from a bank or a brokerage, the partnerships form goes to Shang. And if you’d like to work with us, our careers page lists any roles we’re hiring for.