See where the month's money went, and why.
Canopy turns a budget and what you actually spent into a live dashboard, a plain-English explanation, and a report you can share. Built for individuals managing their own money and for businesses without a finance team.
Your March budget
Why you spent more: You went $370 over budget this month. Most of it was dining out (+$210) and a weekend trip (+$180). Groceries came in $65 under. At this pace you'll reach your savings goal in 7 months instead of 6.
March flash · Juniper Coffee Co.
Why spend ran over: Operating spend finished $17K above plan. Most of it is timing: two annual software renewals landed in March instead of April (+$9.1K). Contractor costs rose $6.4K for the new store build-out, which is expected to end in May.
From spreadsheet to clear answers in one sitting
No new software to learn and no templates to maintain. Bring the export you already have.
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Upload your budget and actuals
Drop in an Excel or CSV export from your bank, your credit card, QuickBooks, Xero, or your own budget sheet. Canopy sorts every line into clear categories, even messy ones.
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See what moved
A dashboard shows income, spending, and savings against your plan, and you can click into any category to see what drove it.
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Get the monthly summary
One click writes the explanation and builds a report you can keep for yourself, or a board-ready deck for your business.
Made for the people doing finance on the side
Finance software assumes you have a finance team. Canopy assumes you have a spreadsheet and want straight answers.
Individuals
Upload your budget and your bank or card export. See which categories ran over, how it affects your savings goals, and a plain-English summary of your month.
Owners and operators
Know why the month landed where it did without waiting on your accountant, and walk into board or lender meetings with the story already written.
Fractional CFOs and bookkeepers
Turn around monthly reporting for every client in minutes instead of days, in a consistent format each month.
Every number in Canopy is calculated directly from your data, never estimated. AI handles the reading and writing: mapping accounts, spotting drivers, and drafting the commentary. Canopy is built on Claude by Anthropic.