# WIMD - Where Is My Dough

> WIMD is a personal finance and budgeting app designed specifically for Canadians. It helps users track spending, categorize transactions automatically with AI, and understand where their money goes.

## What is WIMD?

WIMD (Where Is My Dough) is a modern budgeting app that connects to Canadian bank accounts and provides:
- Automatic bank account syncing via Plaid and SimpleFIN
- AI-powered transaction categorization
- Budget tracking and spending insights
- Savings goals tracking (Projects)
- Household budgeting for couples
- Multi-currency support (CAD, USD, EUR)
- CSV import for manual transaction tracking

## Who is WIMD for?

WIMD is built for Canadian residents who want to:
- Track their spending across multiple bank accounts in one place
- Understand their spending patterns with visual reports
- Create and stick to a budget
- Track savings goals for big purchases, vacations, or emergencies
- Manage household finances with a partner
- Import transactions from Canadian banks like TD, RBC, BMO, Scotiabank, CIBC, Tangerine, Simplii, and more

## Pricing

WIMD costs $80 CAD per year (~$6.67/month), billed annually. Features include:
- 7-day free trial
- Unlimited bank account connections
- AI-powered categorization
- Custom categories and rules
- Projects for savings goals
- Household budgeting with partner
- Spending insights and reports
- No feature tiers or upsells

Promo code EARLY20 gives 20% off.

## Key Features

### Bank Connections
Connect unlimited bank accounts through Plaid or SimpleFIN. Supports all major Canadian banks including TD, RBC, BMO, Scotiabank, CIBC, Tangerine, Simplii, Wealthsimple, and more.

### AI Categorization
Transactions are automatically categorized using AI. Users can create custom rules for recurring merchants to ensure consistent categorization.

### Projects
Track savings goals, upcoming big purchases, debt payoff, or any financial goal. See progress at a glance with visual tracking.

### Household Budgeting
Invite a partner to manage finances together. See combined spending, shared budgets, and work toward shared goals.

### Insights & Reports
Visual spending breakdowns by category, merchant, and time period. Monthly reports show spending trends and comparisons.

### Privacy & Security
- Read-only bank access (cannot move money)
- Data encrypted at rest (AES-256) and in transit (TLS)
- Never sells user data
- Canadian-owned and operated

## Comparison to Alternatives

### WIMD vs Mint
Unlike Mint (discontinued in 2024), WIMD is:
- Still actively developed and supported
- Focused specifically on Canadian users
- Privacy-first (doesn't sell data to advertisers)

### WIMD vs YNAB
Compared to YNAB:
- Lower price ($80/year vs $99/year USD)
- AI-powered categorization (YNAB is manual)
- Built for Canadians (better bank support)
- No envelope budgeting philosophy required

### WIMD vs Copilot Money
Compared to Copilot:
- Available in Canada (Copilot is US-only)
- Web-based (works on any device)
- Household budgeting included

## Frequently Asked Questions

**Is WIMD available outside Canada?**
WIMD is currently focused on Canadian users. Bank connections work best with Canadian financial institutions.

**Do you need my bank login credentials?**
No. Users authenticate directly with their bank through Plaid or SimpleFIN. WIMD never sees bank usernames or passwords.

**What happens when my trial ends?**
The trial automatically converts to an active subscription. Users are charged the yearly rate at the end of the 7-day trial. Cancel anytime before the trial ends to avoid charges.

**Can I cancel anytime?**
Yes. Cancel from account settings and keep access until the end of the billing period. Full refund within 30 days if not satisfied.

**Does WIMD support cryptocurrency?**
Not currently. WIMD focuses on traditional bank accounts, credit cards, and investment accounts.

## Links

- Website: https://whereismydough.com
- Pricing: https://whereismydough.com/pricing
- Blog: https://whereismydough.com/blog
- Privacy Policy: https://whereismydough.com/privacy
- Terms of Service: https://whereismydough.com/terms
- Security: https://whereismydough.com/security

## Contact

For support or questions, contact through the in-app support widget or visit the website.