Fig. 1

Personal cash-flow forecasting, Canadian-built.

Test the future before you live it.

"Am I going to be OK in three months?" Your bank app can't answer that. Recurna does, week by week, as far ahead as you want to look.

Apply for the beta See pricing

Founding members get Pro free for a year, then $6/mo locked for two more. Applications reviewed weekly.

Built in Canada. Manual-first. Your data stays yours.

Chart 01 · decision at week 12 Solid · as planned Dashed · simulated
$0k $2k $4k $6k WK 0 WK 13 WK 26 WK 39 WK 52 Floor · $1,200 Wk 12 · buy the car? Wk 28–46 below floor
Opening $4,820 Planned · $6,440 at week 52 Simulated · $-805 at the low

You can be on budget for the month and still overdraft on a Tuesday.

Fig. 2

See your whole year, week by week.

Anchor each recurring transaction once (rent, payday, the hydro bill) and Recurna projects them forward for you. Not a monthly average that hides the week three bills land together. The actual week.

Table 01 · 52 weeks, planned WK 01 → WK 52 Swipe for Q2–Q4 Opening $4,820
Q1 WEEKS 01–13
Wk Change Closing
01 −769 $4,391
02 +774 $5,165
03 −495 $4,670
04 +509 $5,179
05 −760 $4,419
06 +783 $5,202
07 −486 $4,716
08 +517 $5,233
09 −751 $4,482
10 +791 $5,273
11 −477 $4,796
12 Fig. 1 forks +525 $5,321
13 −744 $4,577
Q2 WEEKS 14–26
Wk Change Closing
14 +799 $5,376
15 −471 $4,905
16 +531 $5,436
17 −737 $4,699
18 +804 $5,503
19 −466 $5,037
20 +536 $5,573
21 −733 $4,840
22 +807 $5,647
23 −462 $5,185
24 +538 $5,723
25 −732 $4,991
26 +809 $5,800
Q3 WEEKS 27–39
Wk Change Closing
27 −461 $5,339
28 +538 $5,877
29 −732 $5,145
30 +808 $5,953
31 −463 $5,490
32 +537 $6,027
33 −734 $5,293
34 +804 $6,097
35 −466 $5,631
36 +533 $6,164
37 −739 $5,425
38 +799 $6,224
39 −471 $5,753
Q4 WEEKS 40–52
Wk Change Closing
40 +526 $6,279
41 −745 $5,534
42 +793 $6,327
43 −479 $5,848
44 +519 $6,367
45 −753 $5,614
46 +784 $6,398
47 −487 $5,911
48 +510 $6,421
49 −761 $5,660
50 +775 $6,435
51 −496 $5,939
52 +501 $6,440
Floor $1,200 Lowest week · WK 01 at $4,391 Week 52 · $6,440

Fig. 3

Try it. No signup.

Move one thing. Watch the year redraw.

This forecast dips below the minimum in week 4. Toggle a change and the original projection stays put, dashed, so you are comparing two futures rather than watching one line move.

Projected balance · 12 weeks out
$3,500
Dips below your $400 minimum Low point: $310 · week 4
A 12-week balance forecast. The pale line is your balance so far; the blue line projects forward and dips below your $400 minimum-balance line around week 4. Toggle a scenario and the original projection stays on the chart as a dashed line, so you can see both futures at once. $0 Min balance · $400 Today

Solid · with your change Dashed · as planned

Ask in your own words. The math is still ours, and your data stays put.

Recurna never sends your data to an AI vendor. You choose, per question, what it sees. Pro. How the connector works →

Table 02

Your $8 forecast. Their $20 budget.

YNAB asks you to assign every dollar a job before you spend it. Monarch and Copilot chart the past in beautiful detail. Both run about $20 CAD. Recurna is $8, forecasts forward, and lets you test a change before you commit to it.

Recurna Free and Pro compared
Feature Free Pro
How far you can see 12 weeks ahead As far as your money carries
Accounts One Every account you have
Household sharing Two logins, one shared picture Two logins, one shared picture
What-if sandbox Test changes live Keep them: save, compare, make it real
Projections Compare projected vs. realized over time Compare projected vs. realized over time
Data export (CSV + JSON) Yours, on every plan Yours, on every plan
AI connector Not included Connect to Claude. Ask your AI. We run the real math.
Support Community Priority, with replies from the founder
Price (CAD) $0 forever $8 / month or $72 / year (save 25%)
Apply for the beta Coming from YNAB or Monarch?

Eight Canadian calculators. No signup, no email.

Four things people ask.

Manual entry sounds like a lot of work.

You anchor each recurring transaction once (rent, payday, the hydro bill) and the engine projects it forward for you. You are not typing in coffees. Reconciling is a batch job, not a running commentary, and most people spend under ten minutes a week on it. Optional bank sync is a Pro roadmap item, not a missing piece.

Why no bank sync?

At launch, manual entry is the design. Your bank credentials never leave you, your transaction data never reaches a US aggregator, and because recurring patterns are anchored once, the ongoing cost is the ten minutes above rather than a permanent feed of everything you buy.

Can my partner and I share one forecast?

Yes, and it is free on every plan, including the free tier. Each of you has your own login, and you both see and edit the same forecast. Nobody has to guess what the other one can afford, and sharing is not sold back to you as a seat.

What if I commit and the app dies?

Full export, JSON and CSV, is free on every plan, including free. Your data is yours is a promise, not a plan feature, and the free tier means you can trial the whole idea without betting anything on us surviving.

I run my own year in Recurna, every week. Read why I built it.

Five more questions →

Recurna Flow · invite-only beta

See your year. Test the future before you live it.

Apply for the beta

Founding members get Pro free for a year, then $6/mo locked for two more. Applications reviewed weekly.