Money, but fun.

I have chequing and savings at two Canadian banks, a U.S. credit card I still use, and a stack of subscriptions I keep meaning to cancel. No app would show all of it in one place, so I built one. North Memory reads your accounts, remembers what you tell it, and answers questions with the transactions to back them up.

Start free →See how it works

North Memory Home on iPhone: net worth, assets, liabilities and account groups

North Memory Activity on iPhone: transactions grouped by day with merchant marks

real screens from the iOS build, not a mockup

Bills, 14 days ahead
Remembers your corrections
Every answer shows its receipts
Canada and the U.S. in one view

Why this exists

Every finance app I tried did one job well and ignored the rest. My bank showed my bank. My card app showed my card. The budgeting app made me re‑categorize Costco every single month and never learned that rent comes out of chequing, not savings.

I wanted one place that keeps all of it, remembers the calls I have already made, and can answer “can I afford this?” with actual numbers instead of vibes. It never touches the money. It reads, remembers and explains. That is the whole product.

— Jay

Three things that kept going wrong.

Each card is a small piece of North Memory. Drag and hover; they work.

Every account showed me one slice.

My bank showed the bank. My card app showed the card. Adding it up, across two countries, was my job every month.

Drag them together

Drag an account into the view →

One view · 0/5

Drop here

Total$0

Nothing arrives on the same day.

Payroll on the 15th, rent on the 30th, Netflix whenever it feels like it. A single list makes the month readable.

Hover to line them up

The apps kept forgetting me.

I fixed Costco to Groceries every month. I told them which account pays rent. Nothing stuck.

Hover to remember

What you actually get.

One ledger, a memory that keeps your corrections, and answers grounded in your own transactions. The panels below are live, try them.

One ledger, both countries.

Chequing, savings, cards and the rest land in one list. Have accounts in Canada and the U.S.? Tap a country to see its accounts. Combined converts everything to your home currency at a rate that is shown, not hidden.

One view · CA$Rate 1.36

CombinedCA$ 122,577

Tap a country to see its accounts.

It remembers your corrections.

Fix a category once and it sticks. Say which account pays the bills and it is remembered. Tap any decision to change it, and Undo puts it back.

Your decisionsTap a row to change it

Kept

Straight off the phone.

No illustrations here. These are screenshots from the iOS build, captured Sep 20, 2026.

Activity, with marks for 200+ merchants.

North Memory Plan tab showing estimated spending by month end against a target — Plan. Ask how the estimate was made.

North Memory Goals together screen showing a shared Japan trip goal at 52 percent — Goals together. A trip, three people.

Mom is at 5%. Nudge her.

Ask a question, then check the receipts yourself.

Nothing runs in the background. You ask, it reads your activity, it answers, and every answer lists the transactions behind it. Pick a question to watch one come back.

Ask it about your own accounts →

Why did spending go up in August?

One planned purchase explains most of the increase.

Shopping+$460

Groceries+$34

Transport+$24

Receipts · 3 transactions

Best Buy · new monitorAug 12$489.00

CostcoAug 3$212.40

Presto · transitAug 20$41.25

Saving for a trip with friends, in one place.

Set a shared goal, invite the people going, and watch it fill up together. Everyone sees the same progress and every contribution. Nobody sees anyone else’s accounts.

Milestone stickers. Halfway, almost there, and the finish line get celebrated.
Nudges, not nags. Poke a friend when it is their turn. They reply in the feed.
Private by default. Only the goal is shared. Balances stay yours.

Try it: add to the goal, or nudge Mina.

Coming soon to iPhone

Shared goal · 3 people

Japan, spring 2027

Halfway!

$3,520 of $6,000 · 59%

JMS 6-week streak

SMomBirthday boost+$300

JYouSkipped the cab+$150

MMinaPayday top-up+$500

Designed to understand your money, never to move it.

The boring part, stated plainly.

It reads. It never moves money. North Memory reads supported account data. It never initiates money movement.
AI only when you ask. No background agent makes financial decisions or acts on your behalf.
No custody, no execution. No trading, transfers, withdrawals, bill payments, or stored funds.
Minimized AI context. Credentials, provider tokens, and full account numbers stay outside AI context.
Read the privacy and security overview →

Recently shipped.

Pulled from the commit log, so the dates are real.

Sep 19Goals together on iOS: shared goals, milestones, nudges.
Sep 19Brand marks for 200+ merchants in Activity, Whole Foods to Aritzia.
Sep 18Activity by merchant, with Income and Spent as one-tap filters.
Sep 18Plan and Invest tabs redrawn to match the rest of the app.

Pricing

What it costs.

Use the product first. Pro billing and the limited founding offer stay clearly separated.

Free

Explore your financial picture.

$0 forever

3 AI questions per day
1 bank connection
Full transaction organization and exports
Category rules and recurring review

Start free

Things people asked before connecting a bank.

Free workspace

Want to try it?

Create a free workspace, choose your home currency, and connect only what you want.

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