Crush your subscriptionsdebt.
Save without thinking.
Beaverise is the AI money app that pays off debt up to 3× faster, files your taxes smarter, kills hidden subscriptions, and roasts you when you blow $112 on food delivery in a week. Built for everyday Canadians.
50,000+ Canadians on the waitlist
Beta users averaged
$1,840 less debt in their first 90 days
Good morning
Hey, Sarah 👋
Net worth
$24,387.92
Today's briefing
$84 found
Cancel premium streaming you don't use
Debt streak: 14 days
Optimal payments made
Roast incoming
You spent $112 on food delivery
Interest saved
+$2,891
Debt-free in
11 months
Beaver AI
Found $84/mo in unused subs.
Want me to cancel them?
Health score
76 / 100
Built with bank-level trust
Money apps show you numbers.
Beaver actually does the work.
The average Canadian is drowning in debt while their bank app pretends to help by drawing pretty charts. We're done with that.
Average Canadian consumer
$0
in non-mortgage debt
Equifax Q1 2025. Beaver kills it up to 3× faster.
Wasted on autopay zombies
$0/yr
in unused subscriptions
We find them all. Cancel in one tap.
Time to broke at current spend
0 days
of runway
Beaver shows your survival bar daily.
Triple-stack max for first home
$0
tax-free for couples
FHSA + HBP + TFSA. We map it for you.
Pay off debt 5× faster with a plan that actually works.
Beaver studies every card, loan, and APR, then builds a math-perfect payoff plan. Pick avalanche to save the most interest, or snowball to feel the wins. Either way, you're free 15 months sooner.
- Personalized to your real APRs and minimums
- Visual debt-free date you can screenshot and frame
- One-tap auto-pay with hard limits & rollback
- Confetti when each card hits zero
Total debt
$32,220
Highest APR first (saves the most interest)
Visa Card
$4,820
Mastercard
$6,900
Line of Credit
$8,200
Student Loan
$12,300
Payoff trajectory
Months saved
15
Interest saved
$4,182
Beaver AI
Multi-LLM · GPT 5 + Claude 4.6 + Gemini Pro
How am I doing this month?
Babe. You spent $340 on food delivery, $112 on rideshares to grab dinner, and $0 on groceries. The kitchen is right there. 🦫
An AI that
acts like a friend with a CFA.
Beaver isn't a chatbot. It reads your transactions, knows your goals, and runs every answer through three frontier models, so the advice is right, the tone is human, and the actions are autonomous.
Multi-LLM consensus
GPT, Claude, Gemini cross-check every answer.
Reads your real data
Cited transactions, not generic advice.
Canadian first
Knows TFSA, RRSP, FHSA, HBP, CRA rules.
Hard guardrails
Daily transfer caps + 24-hour rollback.
Money anxiety isn't your fault.
Beaver quiets the noise.
You don't need a spreadsheet. You don't need to log every coffee. You don't need to refresh your bank app at 3 AM. Beaver runs the math, builds the budget, watches the bills, and answers any question, so your brain can finally log off.
Your auto-budget
September 2026
Beaver studied your real spending: paychecks, rent, that suspicious amount of food delivery, and drafted a budget that actually fits your life.
Auto-paid Sept 1
$226 left · 12 days
Beaver flagged 4 deliveries
3 zombies, kill in 1 tap
On track
Plenty left
Auto-swept · streak 6 mo
Beaver, just now
Life changed? Tell me (new job, baby, move) and I'll rebuild this in seconds.
Cash-flow forecast
Your runway in days. Beaver predicts NSFs before they happen and sweeps from savings to cover.
Decision support
"Can I afford the move?" "Should I take this job?" Beaver runs scenarios on your real numbers in seconds.
Smart categorization
Every transaction tagged in 2 seconds. Train it once with a tap; it remembers forever.
90-second daily briefing
What hit, what cleared, what to act on. No noise. Read it on the toilet, get on with your day.
Stop refreshing the bank app at 3 AM.
Beaver's already on it. Sleep is free.
"Can I really afford this?"
Beaver builds the plan.
Most purchases get financed. BNPL, credit cards, store plans, all add interest you don't see at checkout. Beaver runs the real monthly cost and shows exactly which everyday spending tweaks free up the payment so the new toy doesn't wreck your budget.
Pick something tempting
How will you pay?
Designer couch
Sticker price $1,800 · BNPL 12-month plan
Real monthly cost
$162
/ month
Over 12 months. +$150 in interest paid to the lender.
Term
12 months
Total paid
$1950
Interest
+$150
Beaver's plan to fit $162/mo
monthly trimsTrim 3 food delivery orders
Pickup mode
+$30
Brew coffee at home 2 days a week
Coffee shop habit
+$40
Cancel 2 zombie subscriptions
Beaver's auto-find
+$30
Skip 1 grocery delivery (pickup)
Markup avoided
+$28
Found in your spending
$128/mo
Beaver says
Tight. The four trims only cover $128/mo, you're still $34/mo short. Save up first, switch to BNPL Pay-in-4, or pick a less expensive option. Beaver will run a fresh plan if you tap one above.
Your $13 burrito just cost you $19.
Every food delivery and grocery delivery tap quietly layers a menu markup, a service fee, a delivery fee, then a tip on top of all of it. Beaver flags the leak, runs the annual math, and quietly retrains the habit.
Your favourite burrito spot
1.2 km away · ETA 32 min
Menu
$13.45
You paid
$19.12
Markup
+42%
$5.67 in fees on a $13.45 burrito. Order this 3×/week → $885/year in fees alone.
Beaver doesn't shame you.
It coaches you.
Every fee gets logged. Every habit gets named. Every change gets celebrated. Beaver builds a streak, throws confetti when you skip a tap, and shows the running annual savings, so the new habit feels like a win, not a punishment.
Beaver · just now
4th food delivery this week. Pickup mode saves $6 tonight, $24 this week. Want me to set the timer?
Habit streak · 12 days
You've picked up 3 of last 4 orders. $18 banked → auto-swept to your Visa.
Money Wrapped preview
Delivery fees this year: $540. That's a flight to Vancouver.
The leaks Beaver plugs first
Most users are losing $5,000+ a year to four habits. Recover the first one this week.
Delivery markup
Food delivery apps
$960/ year
You order 14×/mo. A $13 burrito quietly becomes $19 once fees and tip stack on. Beaver nudges you to pickup mode for the same food without the surcharge.
Grocery delivery
Grocery delivery apps
$1,440/ year
Avg item is 12% above shelf, plus service + delivery + tip. A $180 cart costs you $241. Beaver flags better weeks to order vs. shop.
Daily coffee habit
Coffee shop tap-and-go
$1,825/ year
$5/day × 365 = a vacation. Beaver does the math, suggests a $2 home brew streak, celebrates every skipped tap.
Subscription zombies
Streaming · gyms · apps
$1,008/ year
Premium streaming you barely watch, the gym you haven't visited in 87 days, two cloud storage plans for the same files. Beaver finds them all and cancels in one tap.
Every receipt, lease, and policy:
read, remembered, weaponized.
Snap it. Drop it. Forget it. Beaver stores every document, OCRs the fine print, and acts on what it finds.
Warranty Sniper
Drop any receipt. We OCR the warranty, alert you 30 days before expiry, and shop the web for cheaper extended cover.
Cordless vacuum: expires in 28 days
Found extended cover at a warehouse club for $59 (saves $20 vs the manufacturer).
Lease Guardian
Reads your rental agreement. Flags rent-hike caps, tenant rights by province, and notice-to-vacate dates.
Tax Shoebox
Auto-categorize every receipt as a deductible. CRA-ready bundle at year-end.
Insurance Auditor
Detects duplicate coverage. Most users save $400+/year on overlapping policies.
Bill Archive
Searchable by AI. "How much did I pay for hydro last summer?" answered in 0.3s.
$486.22 across June–Aug · 14% above 2024
Stop overpaying the
CRA & the IRS.
Beaver runs a continuous tax optimization engine. RRSP, FHSA, TFSA, 401(k), Roth, HSA: all tracked, all automated, all bracket-aware.
Your contribution stack
Beaver dynamically reorders this priority list using your real income and marginal rate.
FHSA
$8,000
RRSP
$33,810
TFSA
$7,000
401(k)
$23,500
HSA
$4,300
Roth IRA
$7,000
Home Buyer Triple-Stack
Up to $280,000 tax-efficient
For Canadian first-time buyers. Beaver maps the optimal blend across all three programs.
FHSA
couple max
$80,000
HBP
RRSP withdrawal
$120,000
TFSA
tax-free already
$80,000
+ your TFSA balance · combined for couples
Quarterly nudges
- Q1RRSP deadline is March 1. A $5,000 contribution saves $1,750 in tax.
- Q3YTD $68k. An extra $3k RRSP keeps you in the 26% bracket instead of 29%.
- Q4Tax-loss harvesting: an ETF in your portfolio is down 12%. Sell, rebuy a similar one, bank the loss.
Roast cards. Wrap-ups. Wins.
Built for the group chat.
Every milestone gets a shareable card. Hit a debt-free date, kill a subscription, get roasted, and Beaver makes it Instagram-ready.
Sarah ate $431 of food delivery
while saving $0. Her kitchen filed a missing-person report. 🦫
42
Health Score
"Beaver roasted me"
Your 2025 in money
Top splurge: 17 coffee shop runs in 4 days. We see you.
$28,442
saved this year
"Year-end recap, but for your wallet"
Visa Card → $0
Took down 19.99% APR in 4 months. 🔥 Streak: 28 days of perfect payments.
−$4,820
debt destroyed
"Share to brag"
$84/mo of zombies, terminated
Premium streaming you barely use, an audiobook sub you haven't opened in 7 months, and a duplicate streaming service.
$1,008
saved per year
"Beaver did the cancelling"
From broke to debt-free in three taps.
Most apps want you to log every coffee. Beaver wants you to log in once, and never lift a finger again.
01
Connect your bank
Plaid links every Canadian Big-5 + 8,000+ US banks. Read-only, 256-bit, 60 seconds.
02
Get the X-ray
Beaver scans every transaction, finds zombie subs, builds your debt timeline, and tells you the truth.
03
Crush, save, repeat
Auto-pay highest APR first. Sweep surplus into FHSA. Watch your debt-free date sprint forward.
People are losing their minds
over a money app.
“Paid off $11k of credit card debt in 8 months. Beaver literally roasted me into submission.”
Maya K.
Toronto · Pro user
“The Damage Calculator alone saved me from a $3k impulse buy. My debt-free date moved up 6 months.”
James W.
Vancouver · Ultra
“Beaver caught a duplicate insurance policy I didn't know I had. $480 a year, gone. Mind blown.”
Priya S.
Calgary · Pro
“Tax-loss harvesting in October saved me $1,200. Better than my old accountant.”
David L.
Montreal · Ultra
“Honestly, the roasts are funnier than my friends. Also I have $3k more in savings now.”
Rachel B.
Ottawa · Pro
“FHSA + HBP planner mapped my whole down payment in 3 minutes. We close in March.”
Marc-André G.
Quebec · Ultra
“Used Mint, then Monarch, then Cleo. Beaverise is the first app that actually does something.”
Sarah T.
Halifax · Pro
“I joined for the debt plan, stayed for the Vault. Every receipt is OCR'd and findable. So good.”
Kenji O.
Edmonton · Ultra
“Paid off $11k of credit card debt in 8 months. Beaver literally roasted me into submission.”
Maya K.
Toronto · Pro user
“The Damage Calculator alone saved me from a $3k impulse buy. My debt-free date moved up 6 months.”
James W.
Vancouver · Ultra
“Beaver caught a duplicate insurance policy I didn't know I had. $480 a year, gone. Mind blown.”
Priya S.
Calgary · Pro
“Tax-loss harvesting in October saved me $1,200. Better than my old accountant.”
David L.
Montreal · Ultra
“Honestly, the roasts are funnier than my friends. Also I have $3k more in savings now.”
Rachel B.
Ottawa · Pro
“FHSA + HBP planner mapped my whole down payment in 3 minutes. We close in March.”
Marc-André G.
Quebec · Ultra
“Used Mint, then Monarch, then Cleo. Beaverise is the first app that actually does something.”
Sarah T.
Halifax · Pro
“I joined for the debt plan, stayed for the Vault. Every receipt is OCR'd and findable. So good.”
Kenji O.
Edmonton · Ultra
“Honestly, the roasts are funnier than my friends. Also I have $3k more in savings now.”
Rachel B.
Ottawa · Pro
“FHSA + HBP planner mapped my whole down payment in 3 minutes. We close in March.”
Marc-André G.
Quebec · Ultra
“Used Mint, then Monarch, then Cleo. Beaverise is the first app that actually does something.”
Sarah T.
Halifax · Pro
“I joined for the debt plan, stayed for the Vault. Every receipt is OCR'd and findable. So good.”
Kenji O.
Edmonton · Ultra
“Paid off $11k of credit card debt in 8 months. Beaver literally roasted me into submission.”
Maya K.
Toronto · Pro user
“The Damage Calculator alone saved me from a $3k impulse buy. My debt-free date moved up 6 months.”
James W.
Vancouver · Ultra
“Beaver caught a duplicate insurance policy I didn't know I had. $480 a year, gone. Mind blown.”
Priya S.
Calgary · Pro
“Tax-loss harvesting in October saved me $1,200. Better than my old accountant.”
David L.
Montreal · Ultra
“Honestly, the roasts are funnier than my friends. Also I have $3k more in savings now.”
Rachel B.
Ottawa · Pro
“FHSA + HBP planner mapped my whole down payment in 3 minutes. We close in March.”
Marc-André G.
Quebec · Ultra
“Used Mint, then Monarch, then Cleo. Beaverise is the first app that actually does something.”
Sarah T.
Halifax · Pro
“I joined for the debt plan, stayed for the Vault. Every receipt is OCR'd and findable. So good.”
Kenji O.
Edmonton · Ultra
“Paid off $11k of credit card debt in 8 months. Beaver literally roasted me into submission.”
Maya K.
Toronto · Pro user
“The Damage Calculator alone saved me from a $3k impulse buy. My debt-free date moved up 6 months.”
James W.
Vancouver · Ultra
“Beaver caught a duplicate insurance policy I didn't know I had. $480 a year, gone. Mind blown.”
Priya S.
Calgary · Pro
“Tax-loss harvesting in October saved me $1,200. Better than my old accountant.”
David L.
Montreal · Ultra
Pays for itself
10× over.
Most users save more in the first week than they pay in a year. That's the whole point.
Free
🐣Get a brutally honest snapshot.
Forever. No credit card.
- Link 2 bank accounts
- 5 Beaver chats per day
- Basic spending insights
- Debt dashboard (view only)
- Damage Calculator
- Auto bill payment
- Tax optimization engine
- Vault unlimited
Pro
🦫The plan most users pick.
- Unlimited bank accounts
- Unlimited Beaver AI chats
- Debt Kill Plan + projections
- Damage Calculator (3/mo)
- 25 Vault documents + Warranty Sniper
- Tax tips + bracket-edge alerts
- Auto bill payment
- Virtual debit card + credit building
Ultra
🔥The autonomous wingman, fully unleashed.
- Everything in Pro
- Auto bill pay + auto-sweep
- Full Tax Intelligence Engine
- Unlimited Damage Calculator
- Unlimited Vault + AI search
- Credit building (rent + bills)
- Beaverise virtual debit card
- Shopping watchdog + browser ext.
7-day free trial on every paid plan. Cancel anytime in 2 taps. Your data is yours: export or delete it in 30 seconds.
Real answers, no fine print.
Your wallet's been flying solo.
Time for a wingman.
Join 50,000+ Canadians on the waitlist. We'll text you when your invite drops, with an exclusive founder's offer waiting inside.
Or grab the public beta below. No waitlist needed.