How can we help you?

Sonnet Money is a Canadian budgeting app and cash flow forecasting software designed by a Big 4 CPA, CA with over a decade of corporate finance experience. Built with the same financial principles used for multi-million dollar portfolio management, our platform helps you:

• Forecast cash flow 10+ years ahead - See your financial future with precision accuracy
• Track net worth in real-time - Monitor all accounts, investments, and assets in one place
• Budget without banking credentials - Privacy-first design means no Plaid, no third-party access
• Plan major life decisions - Model mortgages, car purchases, career changes with confidence

Unlike traditional personal finance apps that focus on past spending, Sonnet Money is forward-looking financial planning software that empowers you to make informed decisions about your financial future - all while maintaining complete data privacy and control.

Getting started with Sonnet Money is simple:

• Sign up for a free account using your email
• Add your bank accounts and set initial balances
• Enter your recurring income and expenses
• Start tracking your transactions
• View your dashboard for instant financial insights

The whole setup process takes less than 10 minutes!

No! Sonnet Money is designed to work without requiring your banking credentials, giving you complete control over your data and enhanced security. Unlike traditional apps, we use smart business logic similar to how corporations build financial statements - but for your personal finances.

You simply input your basic data (account balances, recurring transactions, and occasional one-time expenses), and our intelligent syncing system automatically:

• Calculates future balances across all accounts
• Projects cash flow based on the timeframe you choose
• Reconciles transactions between accounts
• Updates your net worth in real-time
• Generates comprehensive financial insights

This app does the complex calculations for you, just like corporate financial modelling and forecast. You focus on the decisions; we handle the numbers.

Sonnet Money is currently optimized for desktop browsers. We're actively developing mobile and tablet responsive designs to ensure the full experience works seamlessly across all devices. In the meantime, you can access your account from any device's web browser. Just note that the interface is best viewed on desktop screens for now.

Mobile and tablet optimization is a top priority on our roadmap and will be released soon!

Absolutely. We use enterprise-grade encryption to protect your data. Since we don't store your banking credentials, there's no risk of unauthorized access to your bank accounts. All data is encrypted both in transit and at rest, and we follow industry best practices for security.

Our cash flow tracker shows you exactly how money moves through your accounts with forecasting as far as you want to project.

• View weekly, monthly, quarterly and yearly cash flow projections
• Track income and expenses across multiple accounts
• Set up recurring transactions that auto-populate
• See projected account balances for any future date. It can go as far as you project (i.e. more than 10 years).
• Identify potential cash shortfalls before they happen

Adding transactions is quick and easy:

• Go to the Cash Tracker page
• Click "Add Transaction"
• Choose income or expense
• Enter the amount, date, and description
• Select the account and category
• Click "Save"

For recurring transactions, toggle the "Recurring" option and set the frequency.

Recurring transactions are income or expenses that repeat on a regular schedule (daily, weekly, monthly, etc.). Examples include salary, rent, subscriptions, and loan payments. Once set up, these automatically appear in your cash flow projections, saving you time and ensuring accuracy.

Yes! You can add unlimited bank accounts, credit cards, and cash accounts. Each account tracks its own balance and transactions, while the dashboard gives you a consolidated view of your entire financial picture.

Sonnet Money comes with pre-defined categories like Housing, Food, Transportation, Entertainment, etc. When adding a transaction, simply select the most appropriate category. You can view spending by category in the Spending Analysis section to understand where your money goes.

The cash flow forecast projects your future account balances based on your scheduled recurring transactions and historical patterns. It helps you see potential cash crunches weeks or months in advance, allowing you to plan accordingly.

Yes, you can edit or delete any transaction. Simply find the transaction in your list, click the edit icon to modify it, or click the delete icon to remove it. Changes are reflected immediately in your cash flow and reports.

Your net worth is calculated as total assets minus total liabilities. To track it:

• Add all your assets (bank accounts, investments, property, etc.)
• Add all your liabilities (loans, credit cards, mortgages, etc.)
• Update values monthly for accurate tracking
• View trends and projections on the Net Worth page

Include all valuable assets you own:

• Cash & Savings: Checking, savings, and money market accounts
• Investments: Stocks, bonds, mutual funds, ETFs, crypto
• Retirement: 401(k), IRA, pension accounts
• Property: Home, rental properties, land
• Vehicles: Cars, boats, motorcycles
• Other: Business ownership, valuable collections

We recommend updating asset values monthly for the most accurate picture. Bank accounts update automatically as you add transactions. For investments and property, update values monthly or quarterly. Vehicle values can be updated annually unless there are significant changes.

To add a liability:

• Go to the Net Worth Tracker page
• Click "Add Liability"
• Enter the liability name and type
• Input the current balance
• Add interest rate and payment details if applicable
• Save to see it reflected in your net worth calculation

Net worth projection estimates your future net worth based on current trends, planned savings, expected returns, and debt payoff schedules. It helps you visualize your wealth-building progress and adjust your strategy to meet long-term goals.

Yes! You can track investment accounts and update their current values. When you update an investment account's balance, you can see how your investments contribute to your overall net worth growth over time. While the app doesn't automatically calculate real-time gains/losses or connect to brokerage accounts, it provides a clear view of how your investment values change and impact your total financial picture.

Sonnet Money offers two simple plans:

• Essential: $10 CAD/month or $96 CAD/year (save 20%) - 5 accounts, 3-year cash flow forecasting, net worth tracking
• Pro: $25 CAD/month or $240 CAD/year (save 20%) - 25 accounts, 10-year forecasting, What-If scenarios, Life Decision Templates, Tax Calculators (Coming Q2 2026)
• Free Trial: 14 days with full access to Essential features - No credit card required

Pro tier features are currently in development and will be available in Q1-Q2 2026. Start with Essential today and upgrade anytime.

Yes, you can cancel your subscription at any time with no penalties. If you cancel, you'll continue to have access until the end of your current billing period. Your data remains available if you decide to resubscribe later.

To change your password:

• Go to Settings from the main menu
• Click on "Security" tab
• Click "Change Password"
• Enter your current password and new password
• Click "Update Password"

Yes! You can export all your data at any time. You can download your data in CSV or JSON format for use in other applications or for backup purposes.

If you wish to delete your account:

• Go to Settings > Account
• Click "Delete Account" at the bottom
• Confirm your decision

Please note that account deletion is permanent and cannot be undone. We recommend exporting your data first.

We accept all major credit and debit cards (Visa, Mastercard, American Express, Discover) through our secure payment processor. All payment information is encrypted and we never store your card details on our servers.

A referral program is coming soon! We're working on building a rewards system for our community. Stay tuned for our updates.

To update your payment method:

• Go to Settings > Billing
• Click "Update Payment Method"
• Enter your new card information
• Click "Save"

Your next charge will use the updated payment method.