Max out rewards on every swipe without thinking. Automate receipt ingestion and return windows. Track multi-currency net worth and spot cross-border tax compliance triggers — 100% private by construction.
Loblaw Companies / Groceries
Advantage over baseline: +$24.50/mo on current grocery volume
FHSA Contribution Room: $8,000
Tax savings potential: up to $3,480 CAD
Item: Audio Interface ($189.00)
Built from scratch for individuals with multi-currency accounts, multiple credit card reward programs, and cross-border tax considerations.
Know exactly which card earns the highest return before tapping. Tracks category multipliers, spend caps, monthly resets, and fee break-even points with honest keep/cancel verdicts.
Catch expiring return windows before money is lost. Ingest purchase receipts automatically, monitor refund arrival timelines, and review subscriptions before renewal.
Integer-precise minor units arithmetic across CAD, USD, and JMD. Refresh spot FX rates directly from the Bank of Canada and crypto valuations from CoinGecko.
Project upcoming expenses, detect bill pile-ups, and safeguard your minimum cash cushion. Mark bills as paid with actuals to track budget drift.
24 built-in compliance and grant rules surfacing cross-border filing triggers (FBAR, 8938, PFIC, T1135) and benefit opportunities (RDSP grant/bond, FHSA, DTC, CWB).
Get geofenced, silent suggestions as you arrive at a merchant. Powered by native iOS shortcuts and on-device logic with zero cloud lag at checkout.
We believe your financial life should never be scraped, sold, or aggregated by third-party data brokers.
We never ask for your online banking username or password. No Plaid, no Flinks, no credential scraping.
Rule engines and card multipliers run deterministically in pure code with zero outbound telemetry.
OAuth connections use AES-GCM encryption at rest with versioned keys and fail-closed security.
Export all transactions, accounts, and records as JSON with one click. Cascade-delete your entire account anytime.
Pick your wallet cards from our verified catalogue of Canadian and cross-border programs with prefilled reward benchmarks.
When standing at a register or shopping online, PickMe calculates the optimal card based on real category multipliers and caps.
Log into your hub to review cashflow forecasts, return deadlines, fee ROI verdicts, and compliance triggers in one dashboard.
Everything you need to know about the PickMe hub and copilot.
We launch with verified catalogues covering major Canadian and cross-border cards including Amex Platinum, Cobalt, Marriott Bonvoy, MBNA Rewards World Elite, Scotiabank Momentum Infinite, Tangerine Money-Back, Rogers Red World Elite, Canadian Tire Triangle World Elite, Wealthsimple Visa, and Crypto.com. You can also request additions directly from your dashboard.
Never. We do not use credential-scraping aggregators (like Plaid or Flinks). You maintain complete control of your data via manual entry, statement CSV import, and optional private email receipt ingestion.
The card recommendation rules are compiled directly into the client engine. They calculate instant reward values locally without requiring an internet connection or cloud ping at checkout.
Money Finder evaluates your account balances, residency profile, and assets against 24 statutory cross-border compliance rules (FBAR, Form 8938, PFIC, T1135) and Canadian benefit programs (RDSP grants, FHSA contribution room, Disability Tax Credit).
Join the invite-only beta to get TestFlight access for the ambient iOS card copilot and full access to the PickMe web command center.