Basic
Free
For the once-a-month ritual.
- Unlimited CSV imports
- Multi-account dashboard
- AI categorization
- Valerie AI assistant
- Net worth tracking
- Churning tools (one churning card)
- Welcome Sparks, plus the Sparks you earn
- Data export
- Full EN / FR support
Most popular
Plus
For people who use NBU regularly.
- Everything in Free
- Unlimited churning cards
- Your card shortlist, ranked on your real spending
- Send each kind of spending to the card that needs it
- 300 Sparks a month
- 20% off Spark top-ups
Most Sparks
Household
For couples and families tracking finances together.
- Everything in Plus
- 650 Sparks per month
- 20% off Spark top-ups
A quick word on Sparks.
Subscriptions are a clumsy fit for AI: heavy users cost a fortune, light users overpay. So NBU runs on Sparks, small credits that power Valerie's AI work, like categorizing a tricky import or answering a question. The system rewards healthy habits and community engagement, so NBU keeps getting better for everyone.
What costs Sparks?Welcome bonus
New accounts
Up to 600 Sparks to get you started.
150 Sparks the first time you log in, 200 more when you finish your first monthly review, and 250 the first time you close a later month. A running start, not a meter ticking from zero.
Well-rested discount.
Been away five days or more? Welcome back: your next 20 AI actions are 50% off. We'd rather you live your life and come back fresh.
Flow state.
Deep in your monthly review? The more you do in one sitting, the cheaper each action gets, down to a single Spark.
Earn by contributing.
Categorize an unknown merchant or map a new bank format, and you earn 10 Sparks each time, up to 150 a month.
Help Valerie grow, or cover the community contribution.
Every month, free accounts put 100 Sparks into a shared pool: the community contribution. It keeps Valerie affordable and growing for everyone.
Help Valerie grow and you earn it back. Teaching her a new merchant or bank format pays 10 Sparks a time, up to 150 a month, more than the contribution itself. Skip the teaching and the community contribution simply comes out of your balance instead.
The thinking behind thisPlus & Household
Subscribe and we waive it.
On Plus or Household, NBU covers the community contribution every month. Your 300 or 650 Spark grant lands on top, so you never watch the meter.
Why there's a free plan
We're collecting feedback. You're getting the product. That's the deal.
We're a small team in Montréal building something we think the Canadian market needs. The beta helps us learn how people actually use NBU before we finalize what's in each plan. Your feedback shapes what we build next. Suggest a feature we end up shipping, or flag a bug we end up fixing, and we drop free Sparks in your account as a thank-you.
If you subscribed during the beta, you'll keep your plan and pricing. We won't flip a switch without notice.