You don't need a budget.
You need to build wealth.

Canopy is the first personal finance app that treats a great income like an opportunity, not a spreadsheet to monitor. Join the waitlist today and get one step closer to answering the question your budgeting app never could: are you actually on track?

Lookout

Goal progress

Your down payment is 2 months ahead of pace — $72,996 of $130,000 saved, with the October 2026 close still nine months out. At your current $9,500/month pace you'll cross the line in early August. Closing costs are the next thing to think about.

What you need to know

You spent $480 less on dining this month than usual. If you sent that to your brokerage every month for the rest of the year, you'd invest $4,300 more by December — closer to $8,000 by 2030 at your blended return.

What you can learn

The Roth phase-out

At $160k income you can still contribute — just not the full $7,500. Here's how the math works, why it still matters on a 26-year runway, and the one move that lets high earners bypass the limit entirely.

Canvas

Investments

Portfolio

$312K

+$4.2K wk

Allocation

Stocks62%

401k26%

Cash12%

Top movers

NVDA+8.2%

AAPL+3.1%

TSLA−4.6%

Cash flow

Net this month

$3,140

+$420 vs avg

Surplus, 6 mo

Where it's going

Brokerage$1,800

House fund$1,200

Buffer$140

Income

This month

$12,800

on track

Last 6 mo

Trend

Ask Canopy

If I drop my wedding fund to 10% to pay off loans faster, can I still afford my dream wedding by 2027?

Yes — but tighter. Your closing date slips from Q1 to Q3 2027. The trade-off: you pay off the $48K in student loans 14 months sooner and save ~$4,800 in interest.

What if I refinanced the loans instead?

Refi from 6.8% to today's 5.2% saves you ~$74/moover the life of the loan. Combined with keeping your wedding fund at 12%, you'd hit the wedding target by Q1 2027 AND stay on the retire-at-55 track.

What about my retirement timeline if I do all that?

Still on track for 55. Once the loans are paid off, that $74/mo rolls back into your 401k — you actually arrive a few months ahead of plan.

Ask about your finances...

The problem

Budgeting is a
scarcity tool.

You don't have scarcity. You have wealth, and the question is how fast you can build it. Canopy is built around that question.

If I make over $200k a year, telling me I spent too much on coffee isn't helpful. I need to know if I'm on track to retire at 55, or whether I should be paying down my loans faster instead of investing.

The solution

Everything you need to grow
wealth. Nothing you don't.

Lookout

Your weekly check-in

Every Monday, a personal read on where you stand and what to think about next.

Goal progress

You're on pace to retire at 54 — a year sooner than your goal. Your $312K portfolio added $4,200 this week.

What you need to know

The S&P jumped 3.4% this week — your net worth is up $9,800, mostly from your VTI position.

What you can learn

The backdoor Roth

How high earners get $7,500 of tax-free growth a year — even past the income limit.

Canvas

Your dashboard, your way

Compose the widgets that matter to you. Drag, drop, and shape your own view.

Investments

Portfolio

$312K

+$4.2K

Allocation

62%

26%

12%

Top movers

NVDA+8.2%

TSLA−4.6%

Cash flow

Net this month

$3,140

+$420

Surplus, 6 mo

Where it's going

Brokerage$1,800

House fund$1,200

Income

This month

$12,800

on track

Last 6 mo

Trend

Ask Canopy

A second opinion, anytime

Ask anything about your money. Canopy answers with full context of your finances.

If I drop my wedding fund contribution to 10% to pay off loans faster, can I still afford my dream wedding by 2027?

Yes — but tighter. Your closing date slips from Q1 to Q3 2027. The trade-off: you pay off the $48K in student loans 14 months sooner and save ~$4,800 in interest. Want to see what refinancing the loans does instead?

Ask about your finances...

You've reached the canopy.
Now see everything
from up here.

Canopy is the tool that helps you grow even further. Currently in invite-only beta for early adopters.

You don't need a budget.
You need to build wealth.

Lookout

Goal progress

What you need to know

What you can learn

The Roth phase-out

Canvas

Investments

Portfolio

$312K

+$4.2K wk

Allocation

Stocks62%

401k26%

Cash12%

Top movers

NVDA+8.2%

AAPL+3.1%

TSLA−4.6%

Cash flow

Net this month

$3,140

+$420 vs avg

Surplus, 6 mo

Where it's going

Brokerage$1,800

House fund$1,200

Buffer$140

Income

This month

$12,800

on track

Last 6 mo

Trend

Ask Canopy

If I drop my wedding fund to 10% to pay off loans faster, can I still afford my dream wedding by 2027?

Yes — but tighter. Your closing date slips from Q1 to Q3 2027. The trade-off: you pay off the $48K in student loans 14 months sooner and save ~$4,800 in interest.

What if I refinanced the loans instead?

Refi from 6.8% to today's 5.2% saves you ~$74/moover the life of the loan. Combined with keeping your wedding fund at 12%, you'd hit the wedding target by Q1 2027 AND stay on the retire-at-55 track.

What about my retirement timeline if I do all that?

Still on track for 55. Once the loans are paid off, that $74/mo rolls back into your 401k — you actually arrive a few months ahead of plan.

Ask about your finances...

The problem

Budgeting is a
scarcity tool.

You don't have scarcity. You have wealth, and the question is how fast you can build it. Canopy is built around that question.

The solution

Everything you need to grow
wealth. Nothing you don't.

Lookout

Your weekly check-in

Every Monday, a personal read on where you stand and what to think about next.

Goal progress

You're on pace to retire at 54 — a year sooner than your goal. Your $312K portfolio added $4,200 this week.

What you need to know

The S&P jumped 3.4% this week — your net worth is up $9,800, mostly from your VTI position.

What you can learn

The backdoor Roth

How high earners get $7,500 of tax-free growth a year — even past the income limit.

Canvas

Your dashboard, your way

Compose the widgets that matter to you. Drag, drop, and shape your own view.

Investments

Portfolio

$312K

+$4.2K

Allocation

62%

26%

12%

Top movers

NVDA+8.2%

TSLA−4.6%

Cash flow

Net this month

$3,140

+$420

Surplus, 6 mo

Where it's going

Brokerage$1,800

House fund$1,200

Income

This month

$12,800

on track

Last 6 mo

Trend

Ask Canopy

A second opinion, anytime

Ask anything about your money. Canopy answers with full context of your finances.

If I drop my wedding fund contribution to 10% to pay off loans faster, can I still afford my dream wedding by 2027?

Ask about your finances...

You've reached the canopy.
Now see everything
from up here.

Canopy is the tool that helps you grow even further. Currently in invite-only beta for early adopters.

You don't need a budget.You need to build wealth.

Budgeting is ascarcity tool.

Everything you need to grow wealth. Nothing you don't.

Your weekly check-in

Your dashboard, your way

A second opinion, anytime

You've reached the canopy.Now see everything from up here.

You don't need a budget.You need to build wealth.

Budgeting is ascarcity tool.

Everything you need to grow wealth. Nothing you don't.

Your weekly check-in

Your dashboard, your way

A second opinion, anytime

You've reached the canopy.Now see everything from up here.

You don't need a budget.
You need to build wealth.

Budgeting is a
scarcity tool.

Everything you need to grow
wealth. Nothing you don't.

You've reached the canopy.
Now see everything
from up here.

You don't need a budget.
You need to build wealth.

Budgeting is a
scarcity tool.

Everything you need to grow
wealth. Nothing you don't.

You've reached the canopy.
Now see everything
from up here.