Jmoor's Digital Wallet aggregates your bank accounts, pays bills, tracks spending, automates tax savings, and exports year-end tax packages — without ever holding your money.
No credit card required. Free tier includes aggregation, bill pay, and Tax Vault.
The Problem
Pull out your phone right now and count them. The red one for your chequing account. The blue one for your savings. The green one for your credit card. The yellow one for that side hustle account. The grey one you only log into when you need to check if your paycheque cleared.
Five apps. Five passwords. Five interfaces that all look like they were designed by people who have never actually needed to check their balance before paying rent. And somehow, after all that scrolling and tapping, you still do not know how much you can safely spend this weekend without messing up next Tuesday's bills.
This is not another bank account. We are not asking you to move your money, switch your direct deposit, or trust us with your savings. Your money stays exactly where it is. We simply give you a single, intelligent command centre that sees everything, understands everything, and moves everything on your instructions.
What financial fragmentation costs you
What It Is
Through secure open banking connections, the Digital Wallet links to your existing accounts and pulls in balances, transactions, and spending patterns in real time. You see one total liquid balance at the top of the screen — not because your money moved, but because your perspective finally did.
Your money stays in your bank. We never hold it. We cannot lock you out.
We are the brain. You give the instructions. We execute on your behalf.
Connect banks across North America, Europe, and beyond. One wallet. Everywhere.
Features
Connect banks, credit unions, and neobanks through open banking. See every balance in one view. Scroll through every transaction across every account in a single, chronological feed.
Your total balance is a lie. Safe to Spend subtracts scheduled bills, estimated taxes, and savings goals to show what you can actually afford today without creating a problem tomorrow.
Add payees from a directory or save any account forever. Schedule payments with smart timing. The system initiates one business day before due date, preserving your float. No more banking portal nightmares.
Sending money to another Jmoor user is instant. For non-users, initiate standard transfers directly from your linked account. No copying and pasting email addresses into your bank app.
Watches your income patterns, estimates tax liability based on your jurisdiction's brackets, and auto-transfers to your own external savings account every payday. Tax season becomes preparation, not panic.
Visual buckets for vacation, emergency fund, new car, down payment. Set the target, assign a percentage of income, and watch the progress bar fill automatically on every payday.
Detects recurring charges across linked accounts. Shows monthly cost, annual total, next billing date, and price increase alerts. Cancel with one tap where supported. Reclaim hundreds of dollars a year.
Photograph a receipt. OCR extracts merchant, date, amount, and tax component. Matches to bank transactions. Business expenses flagged separately. Year-end: categorized, receipt-attached, tax-ready.
One button press compiles your complete tax package: income slips, categorized business expenses, home office deductions, mileage logs. Professional, audit-ready, ready for your accountant or tax software.
Automatic categorization — groceries, rent, transport, dining, utilities. See where your money went last week, last month, last quarter. Descriptive, not prescriptive. Your money, your rules, our intelligence.
Analyzes deposit history, calculates a baseline steady-paycheck equivalent, and advises transfers from high-income weeks. A 30-day forecast predicts low-balance days before they hit.
Invoice generation with Jmoor branding. Client payment collection. GPS mileage tracking. Local tax auto-calculation. Quarterly remittance reminders. The same wallet, reconfigured for self-employed life.
Partner Sync lets two Jmoor users share a read-only Household View with shared bills and joint savings goals. Each partner keeps their own dashboard and privacy. No joint account required.
Notified when paycheque deposits, bills initiate, balance drops below threshold, tax deadlines approach, savings goals hit milestones, or subscription prices increase. No spam. No gamification. No anxiety farming.
It includes rent that is due in three days, the phone bill that auto-debits tomorrow, the tax instalment you forgot about, and the emergency fund you promised yourself you would not touch.
Safe to Spend cuts through that illusion. It reads your scheduled bill payments, your recurring subscriptions, your Tax Vault commitments, and your Savings Goals allocations. It tells you, in real time, what you can actually afford to spend today without creating a problem tomorrow.
Pricing
We do not believe in racing to the bottom. We also do not believe in charging luxury prices for basic dignity. You are not the product. Your data is not sold. Your attention is not farmed.
Enough to prove the value, build the habit, and show you what is possible.
Unlock the full intelligence of your financial life.
Built for Your Reality
We know tax systems vary by jurisdiction. We know payment rails differ from region to region. We know your bank might be a global giant, a local credit union, or a mobile-first neobank. We built the aggregation layer to serve them all.
Who It Is For
You get paid through Jmoor. You open the app to see your paystub, and discover you can also see your bank balance, pay rent, set aside tax money, and track spending — all in one place.
You drive, deliver, design, or consult project to project. Your income bounces. Your tax obligations confuse you. The wallet smooths your income, automates your tax reserve, and shows what you actually earned.
You invoice five different businesses. You collect tax. You remit quarterly. Contractor Mode turns the wallet into your back office: invoicing, collection, mileage, and tax readiness.
You want transparency without surrendering independence. Household View shows shared goals and bills without merging accounts or sharing passwords. Collaborate on the mortgage. Keep personal spending private.
You have a chequing account, a savings account, and a credit card. You just want to know, on a Friday night, whether you can afford dinner out without ruining Monday. The wallet gives you that confidence.
When the Digital Wallet lives inside Jmoor's full ecosystem, your employer pays you through the Payroll Engine. The paystub appears instantly in your Income Center. The wallet sees the deposit, sweeps your Tax Vault percentage, updates Safe to Spend, checks scheduled bills, and nudges you if a subscription price increased.
You have been managing your financial life across too many apps for too long. You deserve a single view that respects your intelligence, protects your time, and never asks you to trust us with your savings.
Free tier includes aggregation, bill pay, and Tax Vault. No credit card required.
