Stop saying “we should save more.”Start a real plan.
Harmony Budget turns saving for your first home in Canada into an actual plan — a real number, a real date, and your FHSA room worked out for you. Every month tracked automatically.
What you get.
Build your plan in 2 minutes
Answer a few questions about the home you want and what you can put aside each month. Harmony works out your target down payment, what you need to get there, and when you arrive. No spreadsheets.
See your progress at a glance
One screen shows what matters: down payment saved, how much is left, and your time to goal. Every contribution moves the number.
Your FHSA room, worked out for you
The First Home Savings Account is the best tool most first-time buyers do not fully understand. Harmony tracks your contribution room, carries forward what you did not use, and warns you before you go over.
Willpower is a bad savings plan
Set up a monthly transfer at your bank, confirm the amount in Harmony, and every month gets logged toward your goal automatically. You do not have to remember anything.
Ask Penny anything
Penny is an in-app AI money coach who knows your plan. “How much FHSA room do I have?” “FHSA vs TFSA vs RRSP?” Ask in plain language, get an answer that reflects your actual numbers.
Built to stick
Most savings plans die quietly in month three. Harmony sends milestone nudges as you hit 50%, 90%, and the finish line — plus short lessons on using the FHSA to buy your first home.
What Harmony does not do.
- Harmony never moves your money. We cannot make transfers.
- We do not connect to your bank account. There is no bank login, ever.
- You set up the monthly transfer yourself at your bank — Harmony just tracks it.
- Your plan lives in your account, and nothing is shared.
On Android?
Not yet — but we will tell you the moment it lands.
Harmony is iPhone, iPad and Mac today. Android is on the way. Leave your email and you will hear from us the day it ships — no other mail, no spam.
Harmony Budget — FHSA & down payment tracker. Harmony is an informational tool, not financial, legal, or tax advice. Figures are estimates — confirm anything important with the CRA, your lender, or a qualified professional.