See every dollarbefore it leaves.
NextDebit pulls your real bank data and forecasts every upcoming payment — in order — so you always know what's safe to spend.
Connects with every major Canadian bank
Features
Forecasting that respects the way money actually moves.
Most apps show you yesterday. NextDebit shows you tomorrow — with the receipts.
Timeline, not a balance
Every direct debit, subscription, and bill rendered in the order it'll actually leave your account.
Safe-to-spend, always
We subtract what's coming so you see what's truly yours — today, tomorrow, and 30 days out.
Surprise-free alerts
Get a heads-up before an unusual charge, a price hike, or a new recurring payment lands.
Cash-flow forecasts
Smart projections across all your accounts using your real transaction history — not averages.
Every account, one view
Connect current accounts, credit cards, and savings. NextDebit consolidates the outflows.
Read-only by design
We can see — we can't move money. Permissions you control, revocable any time.
How it works
Three steps to never being surprised again.
01
Connect your bank
Securely link your accounts in seconds via regulated open banking. Read-only, always.
02
We detect every debit
Subscriptions, bills, rent, transfers — NextDebit identifies and orders every recurring outflow.
03
See what's next
A clean timeline of upcoming payments, with safe-to-spend updated in real time.
Security
Built on the same rails as the banks themselves.
Open banking is a regulated standard. We use it to read your data — and that's it. Your money stays where it is.
- Built on Canada's open banking framework — same standards as your bank
- Read-only connections. We cannot move money, full stop.
- Bank-grade encryption in transit and at rest
- Disconnect any account or delete your data in one tap
"We treat your transaction history like a doctor treats your chart — read it, protect it, never share it."
The NextDebit data principles
Be first to see what's leaving.
Join the early access list — we'll let you in as soon as your region is supported.
No spam. We'll only email when you're invited.