Looking for a Hardbacon alternative?

Hardbacon was a Canadian personal-finance app out of Montréal, and for a while it was the closest thing Canada had to an all-in-one budgeting and investing tool. The app is gone now, which left a lot of Canadians looking for a replacement that actually gets Canada.

What happened to Hardbacon?

Hardbacon's budgeting app shut down in 2024. The Montréal company went bankrupt after a Google search-algorithm change wiped out most of its traffic and the affiliate revenue that funded the free app. The hardbacon.ca brand was later bought out of bankruptcy and relaunched in 2025, but as a web-only financial-product comparison site: credit cards, mortgages, savings accounts, and the like.

So if you visit hardbacon.ca today, you'll find comparison tables and articles, not the budgeting app you remember. The mobile app that connected your accounts and tracked your budget was retired for good. To actually track your money, you need something else.

What to look for in a Canadian replacement

• All your accounts in one place, in CAD.
• Real budgets, spending, and a cashflow view.
• TFSA and RRSP handled as the accounts they are.
• Canadian bank connections that stay synced.

OnTheBuck vs. Hardbacon

Why OnTheBuck

OnTheBuck is built for Canada, the way Hardbacon's app was: prices in CAD, Canadian bank connections through Plaid, and Canadian account types like TFSA and RRSP. You get net worth, budgets, spending, cashflow, and shared Spaces on one screen, with a free plan to start.

If Hardbacon was your setup, this will feel like home. Start free and rebuild your whole picture in about five minutes.

Competitor details are current as of 2026; check their site for the latest pricing and features.