Wiggle Budget + Wealthsimple
Wealthsimple reviews the past. Wiggle Budget plans forward.
Wealthsimple Spend Insights is a genuinely good, free way to review spending and catch forgotten subscriptions, but only for money held at Wealthsimple, and it looks backward. Wiggle Budget is the layer it is missing: project your balance across everything you have, by date, and see what is truly free to spend or invest. Canadian-built, use them together.
Wealthsimple and Wiggle Budget, side by side
| Feature | Wealthsimple | Wiggle Budget |
|---|---|---|
| Direction | Reviews your past spending (a look-back) | Projects your balance by date; shows the lowest point and what is truly free |
| Scope | Only money held inside Wealthsimple | Any account or income, you decide what to log |
| Best at | Catching subscriptions, real-time, in-app | Knowing what is safe to spend / invest ahead |
| Privacy | Inside the Wealthsimple ecosystem | Manual by design, no bank login, field-level encryption, never sells data |
| Use together? | Holds and reviews your money | Plans forward across all of it |
Wealthsimple is great if…
Wealthsimple is great for holding your cash and investments and reviewing recent spending, especially catching recurring charges you forgot about.
Wiggle Budget fits if…
Wiggle Budget fits when you want to look forward: what is genuinely free to spend or move to investing this month, across every account, before the money is gone.
Wealthsimple alternative: common questions
Can I use Wiggle Budget with Wealthsimple?
Yes, they do different jobs. Keep your cash and investments in Wealthsimple and use its Spend Insights to review the past; use Wiggle Budget to project forward and see what is safe to spend or invest. Wiggle Budget is manual, so there is no linking required.
Does Wealthsimple do forward budgeting or safe-to-spend?
Spend Insights is a review tool, it shows where money went, mainly within Wealthsimple. It is not built to project your balance forward or tell you what is safe to spend ahead. That is exactly what Wiggle Budget adds.
Is Wiggle Budget Canadian?
Yes, Wiggle Budget is Canadian-built. It is manual by design (no bank login), with field-level encryption, so your numbers stay private regardless of where you bank.
Can Wiggle Budget capture things like a transfer or a payment the bank has not deducted?
Yes, that is the point of being manual-first. Log a transfer between accounts, or mark a payment as processed before the bank deducts it, and your safe-to-spend number updates to your real position immediately instead of waiting on a feed.
Why people move to Wiggle Budget, and how to check it
Wealthsimple is a real product with real strengths, described above. What follows is not a claim that one tool beats every other: it is the four things about this one that can be verified before paying anything.
No bank login, at all
There is no connection to your bank, no aggregator, and nothing to revoke. You enter what you know, which is also why the plan can hold a transfer you made a minute ago or a bill you know is coming.
The maths is published
Every figure comes from a formula written out in the open: balances, projections, safe to spend, debt payoff and interest, with where each one runs. You can check the arithmetic against your own numbers.
Built from the awkward parts
Transfers that are neither income nor spending. A payment the bank has not taken yet. A bill that lands on the 15th when the template says the 21st. A month where a recurring payment never made it onto the timeline. These exist because they happened.
The free plan has no timer
Tracking, running balances, and importing your own data are free and stay free — bringing your numbers in is not the thing we charge for. Paid plans add projections, debt tools and the assistant, and the prices are on one page.