Three plans. The budget itself is free.

Bank connections are a Plus and Pro feature: up to 3 banks on Plus, as many as you have on Pro. A bank is one login, which usually covers your chequing, savings and credit card together. Connections run through Flinks, a Montréal open-banking provider backed by National Bank of Canada, which covers the major Canadian banks and credit unions along with several online-only institutions. On the Free plan you import a CSV instead, which works with every institution.

No. You authenticate with your own institution inside the Flinks flow. My Khaliss receives account and transaction data from Flinks; your banking credentials are not sent to us and we do not store them.

Assistant usage draws on a credit that refills every month: $0.50 on Free, $3.00 on Plus, $8.00 on Pro, plus a one-time $0.50 bonus when you sign up. When the credit is spent, the assistant pauses until the next month or until you move up a plan. The budget itself never stops working, and you are never billed for overage you did not choose.

No. Free is a plan, not a countdown. Unlimited envelopes, unlimited transactions, CSV import and export, goals and net worth, in both languages, for $0. Plus and Pro add bank connections, the shared household and more assistant credit. New accounts start with a month of Plus, free, no card. At the end of it you’re on Free. Everything keeps working except bank syncing. Your linked accounts and their history stay; they stop updating until you upgrade.

As many as live with the budget. Invite a partner, roommates, or family — everyone sees the same envelopes and the same remaining balances, each with their own sign-in. You decide which accounts join the household and which stay personal. Households are available on Plus and Pro.

Yes — the whole app, written by people who speak Québec French, not run through a translation engine. You can switch language at any time, and the assistant answers in the language you write to it in.

In the United States. My Khaliss runs on Vercel with a Neon Postgres database in Northern Virginia. Your online banking password never reaches us — bank connections go through Flinks — and your data is never sold or used for advertising. The privacy policy covers where your information goes and the rights Law 25 gives you.

Cancel from your account settings at any time; you keep the paid features until the end of the period you have paid for, then move to Free. Both of your Law 25 rights are self-serve: Settings → Data exports everything as a ZIP of CSV files, and Settings → Danger zone deletes your account outright.