The page every money app should have.
Before you type a real balance into any website, you deserve plain answers to three questions: who sees this, what happens if the site dies, and what it will cost me later. Here they are.
Who builds this
Saava is built by a self-employed Canadian in Ontario who needed it first — to track her own cards, statement cycles, HST quarters, and CRA installments. It started as a personal tool used daily for years and grew into a product. It is not a venture-funded data play; there is no growth team whose bonus depends on your attention.
Where your data lives
Your data lives in your account. Saava requires a free account to use the app. Your vault is saved to private, per-user storage tied to your account — not to the browser — so it's there on every device you sign in from, and clearing your browser never loses it.
How it's secured: your vault is encrypted in transit (TLS) to private, per-user storage so your phone and laptop see the same numbers, with 10 days of automatic snapshots you can restore yourself. Sign-in is handled by Clerk, with two-factor authentication available. You can browse the marketing pages and a live demo without an account; using the app itself requires one.
Always: one tap exports your entire vault as a plain JSON file you keep. CSV and OFX exports work with any accounting tool. Your data is never locked in.
No selling. No ads. No surprises.
- No selling data — not to advertisers, not as "anonymized insights" to partners.
- No advertising — your attention is not the product.
- No bank credentials — Saava never asks for your online-banking login.
- AI tagging sends descriptions only — never amounts, balances, or account names, and every suggestion waits for your approval.
What it costs — now and later
Saava is free during beta, fully featured. The plan, published here so there are no surprises:
Debts, plans, history, HST & tax tracking, exports, secure cloud vault. The tool itself stays free.
The agent working for you: morning reminders, AI tagging, year-end packages, sync across devices. Beta users get their first year of Pro free.
If Saava ever shuts down
Your JSON backup opens in any text editor and imports into spreadsheets forever. The CSV/OFX exports work in Quicken, GnuCash, and every accountant's toolchain. We would give 90 days' notice and a one-click full export. You can simulate the worst case today: Settings → Backup. That file is yours.
The math
The tax engine — federal plus all provincial and territorial brackets, CPP (both halves for the self-employed), EI, sales tax (HST/GST/QST), the Ontario surtax and health-premium curve, dividend gross-ups and capital gains — is covered by an automated test suite of hundreds of cases that runs before every release. Estimates are clearly labelled as estimates: Saava prepares, your accountant verifies. Rates are stamped with their tax year in the app.
Terms, in plain words
Saava is provided as-is during beta, free of charge, as a tool to help you organize your money — not as financial, tax, or legal advice. Every estimate is labelled as an estimate; you are responsible for verifying numbers with a CRA-registered accountant before filing. You own your data and can export or delete it at any time. We don't sell data, show ads, or ask for bank logins. We may update features and these terms as the beta evolves, and we'll give 90 days' notice before any shutdown with a one-click full export. Questions about data handling are covered under privacy above; for anything else, email the builder.
Independence. Saava is an independent product. It is not affiliated with, endorsed by, or connected to the Canada Revenue Agency (CRA) or the Government of Canada. References to the CRA, HST/GST, and tax rules are descriptive only, to help you stay organized; every figure is an estimate, and you should confirm your situation with a CRA-registered accountant.
Talk to a human
Questions, bugs, doubts: email the builder directly. Real replies, usually fast.