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Founding list open · Try the scan →

Find the fees you never noticed.

Drop one bank statement. In about a minute Looni shows every plan fee, NSF charge, currency spread and quiet price rise, with the transactions behind each one. No signup, no bank connection, nothing uploaded.

Drop a statement, see your numberor hold a founding spot →
✓ Read-only✓ No passwords stored✓ Nothing moves without you
Reading 12 months
of your money
0:00
of about 60 s
CHChequing ••4821VERIFIED
SVSavings ••0197VERIFIED
CCCard ••3302READING
Preview. Read-only via Plaid when bank connection launches.
Leak Receipt
NO. 000417 · SAMPLE
3 accounts · 12 months · scanned in 58 seconds
Monthly plan fee12 × $16.95 · chequing ••4821
$203.40High
NSF fees2 × $48.00 · Jan, Feb, before the $10 cap
$96.00High
Foreign transaction spread2.5% on $2,310 of travel spend
$57.75High
Price increase, streaming+$3.00/mo since March · 7 months
$21.00Medium
Leaking this year$378.15

Every amount opens to its source transactions. Nothing changes until you say so.

loonifinancial.com
→
One next moveAsk for a low-cost account. It’s capped at $4/mo.
Evidence · plan fee
MAMJJASONDJF
12 charges × $16.95 = $203.40
Rule v1.3 · Confidence: High
ConfirmEditDismiss
+3
Streaming went up$3 a month is $36 a year.2 min ago
$10
NSF fee over the cap?Capped at $10 since March 12, 2026.just now
2×
Same charge, same dayLooks like a duplicate. Check it?5 min ago
112
Renewal in 112 daysStart comparing before the letter.today
Security and privacy

Your data, locked down.

How we protect you →
Never uploaded.Your statement stays on your device.
Encrypted.In transit and at rest.
Stored in Canada.Montreal data centre.
Never sold.Not shared for marketing.
Delete anytime.One email, done in 10 business days.

Looni will connect to your Canadian accounts read-only, reads twelve months of transactions, and turns them into one receipt: every leak, the evidence behind it, and the better move.

What is Looni

Not a statement reader. Your whole money life, in one place.

Red bankChequingGreen bankSavingsBlue bankJoint accountCard oneCredit cardCard twoCredit cardMortgageRenews in 112 daysInvestmentsTFSA · RRSP · FHSALooniONE VIEWFind the leaksFees, price rises, duplicates, with theline that proves itYour next best moveOptions ranked by dollarssaved. You choose.Switch and renewMove banks with nothing bouncing. Abetter rate at renewal.Play it like a gameFix a leak, your loon grows.One minute a week.
Red bankGreen bankBlue bankCard oneCard twoMortgageInvestments
LooniONE VIEW
Find the leaksFees, price rises, duplicates.
Your next best moveOptions ranked by dollars saved.
Switch and renewMove banks, nothing bounces.
Play it like a gameFix a leak, your loon grows.
Statement scan liveBank link in progressMortgage and investments view plannedGame demo built

Example household: three banks, two cards, a mortgage and investments. Banks shown by colour only. Looni shows options and never moves money without you.

Mortgage renewal · the countdown

Your bank writes at 21 days. Looni starts at 180.

The Bank of Canada estimates about 60% of mortgages renew in 2025 and 2026, with an average payment jump near 20% for five-year fixed. Enter your maturity date. The clock turns red at 21 days.

112
days to renewalGet two written quotes and a rate hold now.
180 days
rate hold opens
120 days
get quotes
90 days
retention call
21 days
statement due
Remind me at every milestoneRead the 120-day plan →
Payment at renewal
+20%

Bank of Canada average for five-year fixed renewing in 2026

Letter rate vs best quote
$8,599

cost of signing the letter over five years on a $450,000 balance, 4.89% vs 4.29%

Same income, different checkbox
~$45,000

saved by paying accelerated biweekly instead of monthly on $450,000 at 4.5%, paid off 3.3 years sooner. Run your numbers →

Coming soon · Rate Block
We get the rate for you. Not six banks.

Renewals pooled by month and province, negotiated as one block. Whatever commission Looni receives from the lender, we split half and half with you.

See the pool, hold a spot

Example only. Subject to mortgage brokerage licensing and provincial rules. Not an offer, not advice.

1 renewal alone
Takes the letter rate
500 renewals together
Lenders bid for the block
When a lender pays Looni a fee on your file
Looni keeps halfYou get half
On a $450,000 mortgage that is about $2,250 back to you
All in one place

Every account. One receipt.

Chequing, savings and cards in one view, with the leaks pulled to the top.

The Leak Receipt

Every fee, with the receipts

Each line opens to the transactions behind it, with the rule and a confidence level. No mystery math.

Monthly plan fee · 12 charges$203.40
Currency conversion · 9 purchases$57.75
Duplicate charge · Feb 14$64.20
The $10 rule

NSF fees are now capped

Since March 12, 2026, an NSF fee on a personal account at a federally regulated bank can’t be more than $10. Looni flags any that slip through.

$10
Recurring

Price-rise radar

Subscriptions rarely announce an increase. Looni compares every recurring charge month to month.

Streaming+$3.00
Phone planno change
Switch kit

Every PAD, counted

Canada has no one-click account switch. Looni lists every pre-authorized debit and deposit so nothing bounces when you move.

PADs found7
Moved3 of 7
Mortgage

Renewal countdown

Lenders only have to send your renewal statement 21 days before your term ends. Looni starts the clock months earlier.

112
days to renewalRun your countdown →Looni starts the clock
Newcomer track

Your first 90 days of money in Canada

No credit history, fees nobody explained, limits nobody mentioned. Twelve tasks, one a week, in the order that works.

Week 3 of 12 · ChickStart the track →
Student track

The student account that quietly expires

Free while you study, a fee account the month after you graduate. Looni flags the date and prepares the switch.

Week 5 of 12 · DiverStart the track →
The wishing pond · anonymous

Toss a loonie, make a wish

Not ready to join? Tell us what you wish your bank did. Similar wishes grow the same lily pad, and the biggest pads decide what Looni builds next.

Visit the pond →
How Looni works

Find it. Fix it. Move.

Scan complete
4 leaks found
Plan fees$203.40
NSF fees$96.00
Currency conversion$57.75
Price rise$21.00
Evidence · plan fee
MAMJJASONDJF
12 charges × $16.95 = $203.40
Rule v1.3 · Confidence: High
ConfirmEditDismiss
Say this: “I’ve paid $16.95 a month for a year. Can you move me to your low-cost account? It’s capped at $4.”
Switch kit · one tap
Move everything.
Nothing bounces.

Every PAD and deposit found in twelve months, moved to the new account in one go.

$Payroll deposit
HHydro PAD
RRent e-Transfer
PPhone PAD
GGym PAD
0 of 5 movedMove all
The other big problem

Switching banks is a trap.

You found a better account. Now every pre-authorized debit, every deposit, every e-Transfer contact has to move. One at a time. One missed, one bounce, one $10 fee.

UKOne service switches everything in 7 days, guaranteed, since 2013.
CanadaNo such service. You, a spreadsheet, and a phone call per biller.

Looni finds every PAD and deposit in twelve months of history, builds the switch kit, and lines them up in order so nothing bounces. Nothing moves unless you say so.

Then it gets fun

Checking your money, as a game.

Others gamify fake money. Looni plays your real financial life: fix a leak, hit a goal, and your loon grows.

Your loon growsFrom Chick to Golden Loon as your real money gets healthier.
+XP
One quest a day“Move $50 to savings before Friday to keep your streak alive.”
Squad leagueRanked by savings rate, not wealth. A student can beat a millionaire.
YOUR LOON
Chick
1-day streak
Today’s quest
Cook tonight. Skip the takeout.
+40 XP

The game arrives with the app. Founding members play first.

Should I pay off my card or invest the $2k?
Your card charges 21.99%. Paying it down is like earning 21.99%, guaranteed. Most people clear high-interest debt first. Want the math for your balance?
ok fair. how much TFSA room do I have?
Your CRA My Account shows your exact room. Share it and I’ll plan the rest around your numbers.
AI money coach

Ask anything. Get a real answer.

TFSA room, debt versus investing, RRSP timing: your coach knows your numbers and the Canadian rules. The math comes from fixed rules; the coach explains it.

How much TFSA room do I have?RRSP or TFSA for my income?What did fees cost me this year?

General information, not financial advice.

That’s not all

Small things that add up.

2×

Duplicate twins

Same merchant, same amount, same day. Looni circles them before you pay twice.

$4

Low-cost account check

Since December 2025, low-cost accounts are capped at $4 a month. Newcomers and students may qualify for $0.

2.5%

Travel fee tracker

Many cards add about 2.5% abroad. See what your last trip really cost.

••••

Camera-safe sharing

Share your receipt with balances and account numbers masked.

✕

One-tap disconnect

Remove a connection and the data that came with it, any time.

1×/yr

Annual Bank Bill

Your phone company sends a bill. Your bank never does. Looni does.

Aniket GandhiA
From the founder

I spent years on the front line of a bank. I saw the same lines every day.

Plan fees nobody asked for, NSF charges after a missed transfer, $3 price rises nobody notices. Customers would ask what to do and the honest answer was not something I could say across a counter. Looni is that answer. Read the letter →

Aniket Gandhi
Founder of Looni
Built in Canada
How we make money

No ads. No selling your data.

Looni earns when you choose a better partner product, or when Pro saves you more than it costs. Partner payments never change what we rank first.

Free
$0
the scan is free, always · just you
  • Leak Receipt with proof lines
  • Safe-to-spend and next 30 days
  • Weekly leak digest
  • Coach, 10 questions a month
  • Your loon, quests and streaks
Pro · planned
$4.99/mo
or $3.99/mo billed yearly · pays for itself or it is free
  • Household view, every person and account in one screen
  • Alerts the minute a fee hits, not a week later
  • One-tap switch kit, your PADs and billers moved for you
  • Renewal fight, mortgage and bill countdowns with the exact words to say
  • Tax-time pack, TFSA room, RRSP receipts and T5s in one PDF
  • Unlimited coach that explains, never moves money

Guarantee: if Pro does not find at least $60 in 12 months, the year is refunded. Refer 3 friends who join and scan: a free year of Pro. Terms.

Pricing is planned and may change before launch. Looni is not a bank.

Money Talks

Free guides that actually help.

All guides →
LeaksHow to find money leaking from your accountThe places money quietly disappears, and how to check each one.Read → MortgageRenewing in 2026? Don’t sign the first letterWhat to do before your renewal statement arrives.Read → BankingNo-fee bank accounts in CanadaStop paying to hold your own money.Read → CalculatorMortgage break penaltyThree months’ interest versus the IRD, in your numbers.Open →
Questions

Straight answers.

Can Looni move my money?

No. Looni is read-only. It can see transactions; it can’t move funds. Any switch you choose happens through the institution you pick.

Do you see my bank password?

No. Today the scan only reads a statement file on your device. When bank connection launches, you will sign in through Plaid’s window, never Looni’s, and you can disconnect any time.

Is the app live?

Not yet. Today you can join the founding list and try the statement scan in your browser. Founding members get the full scan and the game first, in the order they join.

How does Looni make money?

The scan is free. Later, an optional Pro plan adds monitoring, and partners may pay a fee when you choose to switch to them. Partner payments never change what we rank first.

Is this only for Canadians?

Yes. Looni is built for Canadian accounts, TFSA and RRSP rules, and Canadian fees.

Is this financial advice?

No. Looni shows evidence and options; decisions are yours. For advice on your situation, talk to a licensed professional.

What happens to my data?

We never sell personal data. You can disconnect and delete at any time. The statement scan runs entirely in your browser.

Founding list

Get your free scan first.

Founding members get the scan in the order they join. Share your link to move up, and your loon hatches sooner.

By joining you agree to receive emails from Looni about early access. Unsubscribe anytime.

Or try the statement scan now →