Get On Track

Coming Soon to the U.K. 🇬🇧

Neontra is an app that helps you understand and manage your money.

Security

Secure & Trusted

Neontra protects your data with bank-level security. We never store your sensitive data, including passwords or account numbers.

Diagram illustrating bank-level security, SOC2 compliance, and secure data encryption SOC2 Compliant Audited by BDO Powered by TXIO Share your data Sell your data 3rd-Party Access

Certified Infrastructure

  • Certified SOC2 compliant
  • Audited by BDO
  • Powered by TXIO technology

Strict Privacy Policy

  • We do not share your data
  • We do not sell your data
  • We do not provide third-party access to your data

Proven Reliability

  • Trusted by client firms regulated and authorized by IIROC (Canada), SEC (US), FCA (UK) and ESMA (EU)
  • Processed more than 200 million trades since 2013

Advanced Features

The future of personal finance

Personalized Insights

Investment Tracking

Personalized Calendar

All Your Data In One Place

Spend Tracking

Goals

Financial Health Check

Budget

Forecast Your Future

Manage your net worth and keep an eye on your monthly cash flow by category.
View your bills and balances in one place allowing you to find new ways to save money.

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Powerfully Simple

Start planning for a better future today

Your one-stop shop for personal finance

Get a comprehensive view of your finances to better understand where your money is going and how you can improve your financial health.

Overview of financial situation showing net worth, total balance across bank accounts, credit cards balance, and investments balance

See all of your data in one place.

Page showing connected bank accounts across multiple institutions

Learn how you spend and save your money.

Expense tracker page graphing expenses across multiple expense categories

Understand your true Net Worth using our Net Worth Tracker.

Graph showing net worth growing over time

Forecast your future - see what your future looks like 5, 10, or 30 years from now.

Chart showing maximum and minimum net worth forecasts into february 2036

See how your financial health compares to our aggregated benchmarks

Give your finances a check-up with the Neontra Health Check - a simple scorecard that evaluates your financial health.

Financial health check quantifying your overall financial health

The Health Check looks at your expenses, savings, emergency funds, investments, debt and credit cards, and scores you out of 100.

Expenses health 9/10

It also provides actionable insights to help you improve.

detailed view of expenses health

See where you can save

Neontra identifies all your non-essential spending and its impact.

Expense types with non-essential highlighted

Determine the best ways to reduce non-essential spending.

Month-by-month expense view with non-essential spend reduced

See where you can save more money.

Sunburst chart of expenses by type and category

Easily categorize your expenses to unlock new financial goals

People who create and maintain a budget are more likely to reach financial goals.

View of Neontra's detailed budgeting app

Neontra does most of the work — setting up a budget is quick and easy.

Comparison of Neontra's forecast and your budget target

Monitor your spending progress relative to budget targets.

Over budget category

We help you stay on track by notifying you when you are approaching, or have exceeded a target.

Over budget in two categories

Understand your debt

Keeping track of all your debt can be difficult and confusing. See your consolidated debt, across all debt types.

Excellent debt to asset ratio

See your available credit across all credit cards

Excellent credit card health

Neontra will tell if you have too much debt, relative to your other financial assets.

Suggested Action: Consider exploring the Forecasting tool to assess how a change in interest rates will impact your financial health

Plan for the future

Our financial planning app gives you the tools to build a plan for the future.

Forecast to 2057

Cash Flow - track where your money comes from, and how you spend it.

Graph of historic present and future cashflow

Budget - control your spending

Over budget category

Goals - set goals for the future, and track your progress over time.

Three goals: University fund, Retirement, Vacation with projected target dates

Forecast Your Future - see what your financial future looks like 5, 10, or 25 years from now.

Full forecast graph

Easily manage your money and investments with a single, robust app.
Neontra brings together everything from your spending, account balances, investments, debt, goals and budgets.
Start planning for a brighter, more secure financial future today.

Health Check

A Report Card for Personal Finance

Health Check provides a personal, easy-to-understand score of your Financial Wellness with actionable insights.

Dashboard illustration showing an overall financial health score and individual category scorecards 85 EXCELLENT Overall Health Expenses 92 Saving 78 Emergency Fund 95 Investments 88 Debt 65 Credit 82

Comprehensive scoring

  • Unique scores for Expenses, Saving, Emergency Fund, Investments, Debt, and Credit; all contributing to an overall Health Check Score

Measure progress

  • Track scores over time to measure progress and behavioural change

Actionable insights

  • Instantly see where you are thriving, where you are struggling, and tips on how to improve

Income & Expense Tracking

Automated
Cash Flow

Map out your financial universe - Track and analyze your cash flow.

AUTO CATEGORIZATION

Neontra auto-categorizes your transactions so you can quickly see where your money goes.

INCOME & EXPENSES

See how much you have earned and spent in a specified time frame.

COMPLEX TRANSACTIONS

Manage complex transactions — splits, recurring, scheduled.

MULTI-PERIOD

View your cash flow bi-weekly, by month, by quarter or by year.

HISTORICAL

Go back in time to view your historical data, including trends and analysis.

CHARTS

Visualize your cash flow in our powerful, informative charts.

EXPENSE EXPLORER

Analyze your cash flow cumulatively over time, per period, or by type (Essential / Non-Essential / Debt / Savings).

INTEGRATED FORECASTING

View patterns in the past and how they project into the future.

We help you stay on top of your expenses, subscriptions and bills. Find hidden bank fees.
Neontra provides visibility over your money so you know exactly where your money is going.
Our mission is to help you manage your money so you can reach your financial goals.

Insight

Personalized insight and analysis

Neontra continuously analyzes your data to surface insight that's tailored to you and always current.

Your Insights

  • Dining spending is trending higher than usual

    Based on your last 30 days

  • Your net worth grew compared to last month

    Driven mostly by your investment accounts

  • A recurring subscription renews this week

    Flagged from your transaction history

  • You're on track with your savings goal

    Updated automatically as new data comes in

"It's like having your own personal financial assistant that is always on top of your finances, and able to provide helpful insight and guidance."

Forecasts

Plan for Your Future

Neontra forecasts your financial future.

See how patterns from the past project into the future.

Net worth forecasting pages

Budget

Your custom budget, planned and tracked

Create a custom budget in minutes, then let Neontra track your progress automatically — so you spend less time worrying about money.

Neontra budget targets screenshot

Targets

Multiple types of targets

Set budget targets per category, or use the target forecasted by Neontra based on your past behavior.

Neontra spending tracker screenshot

Track

Our Spending Tracker app helps you monitor your progress relative to targets.

Neontra multi-period budget screenshot

Multi-Period

View your budget performance bi-weekly, by month, by quarter or by year.

Neontra historical budget performance screenshot

Historical

Learn from the past and go back in time to view your past budget performance.

Goals

Set a goal for what it really costs

Build realistic goals using actual costs and link them directly to your live account balances. Monitor your exact progress with accurate data, no more guesswork.

A New home goal marked on track, partway funded, showing the monthly contribution needed and the real cost categories it is built from

Build it from real costs

  • Link specific spending categories directly to your financial goals
  • Calculate the true all-in cost instead of relying on rough estimates
  • Include both one-time purchases and recurring monthly amounts

Fund it from your accounts

  • Assign specific accounts to contribute to each financial goal
  • Track your funding progress against real-time account balances
  • Monitor your completion percentage as you reach your target

See if you're on track

  • Know the monthly contribution needed
  • See your funding gap and time left
  • Honest signals, no rosy projections

Track Your Investments

Investment
Tracking

Neontra aggregates and tracks all your investments in one place.

Stocks

ETFS

Mutual
Funds

Fixed
Income

FX

Auto

Real
Estate

Personal
Assets

NFTs

Crypto

Jewelry

Art

Domains

Collection

Measure the performance over time on your stocks, mutual funds, ETFs, fixed assets and crypto.
Forecast growth scenarios for all your investments. Catch hidden investment fees.

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Markets

Follow the
Markets

Free stock market simulator. Practice stock trading with virtual money. Learn to invest risk-free.
Build and test your strategies with a fully functional trading simulator, including stocks, metals, crypto and currencies.

Learn about investing

Take your first steps into the investment world without risking losing any money.

Build a virtual portfolio

Monitor thousands of stocks, funds, ETFs and currencies.

Market news

Market news to help you research the markets.

Charting

Technical analysis with advanced charting to monitor, plot and study market trends.

Customize watch lists to help you follow the markets — news, quotes, charts and corporate actions.
Sign up for Free. Practice trading with virtual money to sharpen your knowledge of how the stock market works.

Calendar

Your Personalized Financial Calendar

Use Neontra’s financial calendar to easily map your day-to-day finances.

Interactive financial calendar showing daily expenses and a transaction summary card July 2026 SUN MON TUE WED THU FRI SAT 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 -$1,500 -$125 +$2,400 -$65 Friday, July 24 Daily Summary Coffee Shop Visa Credit Card -$4.50 Grocery Store Checking Account -$85.20 E-Transfer Checking Account +$50.00

Track

  • See all your spending visualized by day, week and month with one tap

Money Management

  • View transactions across all your cards and accounts in one place

My Money

All Your Money
in One Place

Connect accounts to automatically import data or manually upload. Easily sync, connect or import .ofx, .qfx, .csv.

Bank Accounts

Credit Cards

Loans

Investments

Assets

Cash

A 360° view of all your $CAD, $USD, £GBP, €EUR and ¥YEN financial activities.

Make the Most
Of Your Money

Get Started - it's free

The route to a happy, secure financial future is hard to navigate.

Neontra can help guide you there.