Every feature explained — from the dashboard, to AI-assisted recurring bill detection, to credit utilization alerts that help you build score-friendly habits. Orbiq surfaces the signals; score changes depend on you acting on them.
Everything you need to understand where your money goes and where it should be going.
Monthly spending breakdown, top merchants, spending pace tracker, and anomaly alerts — all in one view. Use the month selector to navigate any past month and the currency selector to view everything in CAD, USD, or INR.
Credit utilization is one of the largest levers in your credit score. Orbiq tracks utilization per card (and combined) against the target threshold you set. When spend crosses that target, Orbiq emails a prepayment reminder before the statement closes — so the utilization rate your credit bureau records lands inside your target band, month after month. Set credit limits, statement dates, and thresholds per card.
Disclaimer: Orbiq does not claim your credit score will automatically increase. We surface the signals and reminders — acting on them (actually prepaying) is what drives score improvement over time.
Orbiq's Bill Health page auto-detects subscriptions, utilities, insurance, and rent from your transaction history. A composite score looks at amount stability, interval regularity, and day-of-month consistency — so your favorite restaurant doesn't get flagged just because you visit it monthly. Opt-in Smart scan uses AI to classify merchants for even higher accuracy; only merchant names leave your server — never amounts, dates, or account info. Works with cloud LLMs.
Build and save your own visualizations: bar, line, or pie charts by category, merchant, or date range. Saved charts persist on your Charts page and recalculate in real time as you import new data.
Designed for phone, tablet, and desktop from day one. Orbiq is a Progressive Web App — add it to your home screen on iPhone, Android, or desktop Chrome/Edge for a full-screen, native-like experience. Works offline with last-loaded data. An install prompt appears automatically after two visits.
Log in and launch Demo Mode to explore the full app with pre-loaded sample data. A guided tour walks you through every feature automatically — so you know exactly what you're getting before you import a single real transaction.
Not just a progress bar — Orbiq calculates whether your current pace will get you to your goal on time.
Set fixed or income-based monthly limits per category. A global cap covers your overall spending. Progress bars go green → yellow → red as you approach the limit, with a mid-month pace indicator so you know if you're trending over before month-end.
Link any goal to a spending or savings category. Transactions in that category automatically update your goal balance — no manual logging required. Works for investment milestones, vacation funds, emergency reserves, and more.
Orbiq calculates your projected arrival date based on your contribution rate over recent months. It updates every time you import.
Every transaction you confirm teaches the system. Every user that joins makes it faster for everyone — compounding intelligence that improves with scale.
Multiple transactions packed into a single LLM call with concurrent execution. Duplicate descriptions are deduplicated — the same merchant is never sent twice in a session.
Every manual categorization creates a user rule and contributes an anonymized shared rule. As more users categorize, the community library grows — reducing LLM calls and speeding up the whole pipeline.
Shared rules only auto-apply when they meet minimum support count, user threshold, and agreement rate. You can override or block any shared rule per-merchant at any time.
Tags are personal, colored labels you attach to transactions — orthogonal to categories. A "Hotel" charge keeps its Travel category and gets a Bali-2026 tag. Use them for any cross-cutting theme: a vacation, a renovation, a client, a one-off event.
Name a tag, pick a hex color, and it's available everywhere instantly. Tags are personal — never shared across users. Rename or delete anytime; deletions cascade off all transactions automatically.
One at a time — open a transaction and pick from the tag picker. Bulk apply — select rows with checkboxes, then "Apply Tag" in the action bar. By date range — set a start/end date, optional account and category filter, and Orbiq tags every matching transaction server-side in one step.
Use the tag filter in the transaction list to show any combination of tags (OR logic). Or type #tagname directly in the search box — combine with text, e.g. #bali dinner finds transactions tagged bali that also mention "dinner".
Add tag filters in the Chart Builder to scope any chart to a specific tag. Choose Group by Tag to see spending broken down per label — useful for seeing the full cost of a project or trip across multiple categories.
Import a CAD statement today and an INR one tomorrow. Orbiq converts everything using live dated exchange rates so your dashboard always tells the real story.
Exchange rates are fetched for the exact transaction date — not today's rate. Your historical data stays accurate regardless of currency fluctuations since the transaction occurred.
Switch between home currency, original currency, or any supported currency with one click. Every chart, budget, and goal recalculates instantly — no page reload, no manual math.
Original amount, currency code, and exchange rate are stored per transaction. Nothing is lost in conversion — drill into any row to see the original value alongside the converted amount.
No bank logins, no API keys, no scary column-mapping screens. The fastest path is a screenshot from your phone — your first categorized transactions land in under a minute.
Open your bank app, screenshot the transaction list (up to 5 images), and drop it in. Orbiq reads the dates, amounts, and merchant names for you — handling dark mode, running balances, and color-coded debits/credits. Review the rows, fix anything flagged, and import. No export needed.
Already have an export? Drop a CSV, Excel, or bank file (OFX/QFX/QBO). Orbiq auto-detects the format from its community library and auto-categorizes — see the full recognized-format list below.
For file imports, Canadian bank formats are prioritized first, then Indian and global formats expand through community learning. Upload your statement and Orbiq handles the rest.
Top Canadian banks are natively supported (RBC, TD, CIBC, BMO, Scotiabank). Indian banks (HDFC, ICICI, SBI, Axis) expanding quickly.
An AI-assisted wizard walks you through column mapping once. You confirm date, amount, and description — done. Saved for next time.
Your mapping is anonymously contributed to the community library. The next person from your bank uploads and it just works — no setup needed.
Try the demo first — explore the full app with sample data before importing anything real.
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