Live credit card spending total
Every charge counted the moment it happens.
Made for Canadian banks
Track your credit card spending in real-time.
Your bank balance lags by days. LiveSpend updates the second you pay.
Free to start.
Free to start.
What LiveSpend is
Your real spending, the moment it happens.
LiveSpend is a real-time credit card spending tracker built for Canada. It uses your bank's email transaction alerts to show each purchase the moment it happens, so you always know what you have actually spent, without waiting days for transactions to post.
Everything is built around spending awareness: a live total, spending pace, forecasts, automatic categories, and the patterns behind your habits.
✓
Every charge, instantlyPurchases appear the moment you pay.
✓
Stay ahead of the cycleTargets and forecasts show where your pace is heading.
✓
Understand your habitsCategories, trends, and insights put every purchase in context.
How it works
You spend. It updates. That's it.
Turn on transaction alerts
Enable email purchase alerts for your credit card, once.
Connect Gmail read-only
LiveSpend checks for your bank's alert emails. It cannot send, edit, or delete anything.
Pay as usual
Every charge lands in LiveSpend the second your bank sends its alert, not days later.
No bank alerts yet? LiveSpend guides you through the one-time setup. See exactly how it works.
What LiveSpend offers
See now, plan ahead, understand your habits.
Spending forecast and pace
See where the cycle is heading before it ends.
Automatic spending categories
Every charge arrives already sorted.
Spending trends and analysis
See patterns across days and cycles.
Spending targets
Give each cycle and category a clear limit.
Weekly insights
Your spending patterns, noticed for you.
Recurring expense tracking
Track upcoming charges and catch price changes.
Spending archetype
The spending style behind your numbers.
Customizable alerts
Hear about the spending that matters to you.
Why the bank balance is not enough
See the purchase before the balance catches up.
Waits for charges to crawl through pending and posted.
Available credit, current balance, and statement balance each update on their own schedule, sometimes days apart, so none of them tells you what you have spent right now.
Counts the charge the moment your bank sends its alert.
You see the purchase right away, days before it posts, so your spending picture is always current while the bank does its paperwork.
LiveSpend complements your bank app. Your issuer remains the source of truth for statements and the amount due.
Compatibility
Check the fit before you start.
Five Canadian banks
RBC, Scotiabank, BMO, CIBC, and National Bank credit cards.
Gmail only
The connected Gmail inbox must be the one receiving your bank's alert emails.
Credit cards only
Debit and Interac e-Transfer activity are not tracked yet.
iPhone and web
Use the native iPhone app or open LiveSpend in your browser.
LiveSpend is not available yet for AMEX, banks not listed above, or non-Gmail inboxes. See the full requirements.
Your inbox, your control
Safe, and easy to undo.
Read-only Gmail
Checks for your bank's transaction alerts. It cannot send, edit, or delete email.
No bank login
You never enter online banking credentials into LiveSpend. Ever.
Disconnect anytime
Turn off Gmail sync in the app or revoke access from your Google account, in one tap.
Independently assessed
The Gmail integration passed a CASA Tier 2 security assessment.
Data is never sold
Your data is yours. Limited service providers process it only as described in the Privacy Policy.
The connection is designed to be understandable, limited, and reversible. You always know exactly what LiveSpend can see. Read about security and Gmail access.
Guides
Clear answers when credit card numbers do not add up.
Why your credit card balance is not updating
A purchase can be approved before it changes your current balance, and a payment can take time to restore available credit. Here is how to tell what is happening.
Read the guideHow to track credit card spending in real time
Your card balance can trail recent purchases. Here is why that happens, and three practical ways to see spending sooner.
Read the guideBest real-time credit card spending tracker apps in Canada
The best app depends on whether you want the fastest view of recent card purchases or a broader system for budgeting, accounts, investments, and long-term planning.
Read the guideHow to track credit card spending without linking your bank account
There are two clear ways to track card spending without connecting an app directly to your bank: enter purchases yourself, or let an alert-based tracker do it automatically.
Read the guideCommon questions
What to know before you connect.
Does LiveSpend connect to my bank?
No. LiveSpend works from the transaction alert emails your bank sends, and you never enter your online banking credentials. There is no bank login, ever.
Which banks and cards work with LiveSpend?
LiveSpend works with credit cards from RBC, Scotiabank, BMO, CIBC, and National Bank, and it reads alerts from Gmail. AMEX, debit, Interac e-Transfer, other banks, and other inbox providers are not available yet.
Does LiveSpend replace my credit card statement?
No. LiveSpend is a spending-awareness tool. Your card issuer remains the source of truth for posted transactions, payment amounts, disputes, and statements.
What happens if a bank alert is delayed or missing?
LiveSpend shows what your bank sends, so if an alert arrives late, the charge appears when it does. Your issuer's official account activity is always the final word.
Is LiveSpend free?
Yes, LiveSpend is free to start. Pro adds multiple cards, full analysis, weekly insights, and higher limits.