Phare lights the way to a calmer financial life.
Know what's safe to spend, what's coming next, and whether you're still on track — built on your real numbers, not a simplified budget.
For anyone whose finances are too complex for a simple budget to handle.
Built for Canada · RRSP, RESP, TFSA aware · English & Français
See ahead. Spend with confidence. Move forward.
See what's ahead
Upcoming bills, credit card cycles, the cash dips before payday. Phare maps your financial path so nothing lands as a surprise, including the irregular expenses that quietly pile onto your credit line.
Know what's safe to spend
Stop guessing. Phare shows what you can actually afford today, this week, before the next paycheque, so you decide with confidence instead of dread.
Move toward what matters
A trip, a cushion, getting out of debt. Phare shows you the route and tells you honestly whether you're on track, and what changes if you adjust.
Where the numbers come from
Every number comes from your real financial situation. Phare's engine does the math. The AI helps you understand it — it never invents a figure. That's unusual for an AI product, and it's why you can trust what Phare tells you.
From spreadsheet to financial plan in 5 minutes
Add your numbers
Fill in our simple template — or enter your numbers by hand. Phare builds your complete financial picture from it.
Get your plan
Phare checks your numbers, asks only what's missing — real pay dates, what lands when — and gives you a clear plan you can trust.
Monthly review
On the 1st of each month, Phare tells you exactly what happened and what to do next. Like a letter from your financial advisor.
Everything you need. Nothing you don't.
Credit card envelopes
Give each card a monthly goal, then split it into per-category envelopes. Phare tracks real spending against each one across the statement cycle and flags them at 80% and 100%.
Reserve Fund
Annual expenses provisioned monthly so they never hit the credit line again. Property taxes, car registration, back to school — all covered.
Goal progress
Disney 2028. Brazil 2029. See exactly whether you're on track and by how much.
Monthly review
Plain language, specific numbers, one clear recommendation. Delivered on the 1st of each month.
A financial advisor charges $250/hour
Phare costs less than one dinner out.
Phare — Free
Phare Pro
$150/year
One subscription per household — up to two logins, at no extra cost.
Create your household first — checkout needs somewhere to attach the subscription.
Calm comes from knowing what's ahead.
Not another spreadsheet. Not another app that tracks what you already spent. A plan that tells you what to do next.
Start free