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Hardbacon:  a Canadian personal finance management app

Business Name and what it does

Hardbacon is a Canadian personal finance management app. It is an all-in-one financial planning, budgeting, and investing app that allows users to align their finances with their goals to achieve personal financial freedom. Hardbacon is on a mission to help Canadians make better financial decisions and “bring home the bacon” – helping everyone lead wealthier and more financially secure lives. We provide the tools, information, and insight everyone needs to navigate their finances confidently and efficiently. 


One of the unique features of Hardbacon is that you can input your life goals into the app and use them to create a detailed action plan to help you reach those goals. For example, you can record your retirement needs, mortgage payments, and things like that, then Hardbacon will help you create a plan for how much you need to save, budget, and invest. They’ll help you choose the right type of account that best suits your financial needs to bring you closer to achieving your goals. 


Budgeting and monitoring your finances can be tricky, especially when you have various accounts to track. Hardbacon eliminates that difficulty by putting everything in the same place. You can access your bank, credit card, and investment accounts in the app and monitor your financial progress. 


Hardbacon is the easiest way to view all your investments in one place, classified by asset category. In addition, our portfolio analysis system can help you know if you have an investment area that needs work or diversification. Finally, personalized return reports can be created to determine how your investments are performing. 

By bringing together the tools people need to plan, budget, invest and save in one application, we are giving everyone the power to take control of their personal finances today for a more secure, more free, and wealthier tomorrow.

Founder’s/Owner’s story and what motivated them to start the business

Since I was a child, I have always been fascinated by businesses and how they can change people’s lives around the world. I was previously a business reporter at Les Affaires, one of Canada’s leading business newspapers, and served as a Director of Growth for a fintech investment fund. I learned how to popularize my passions for technology and money to a broader audience in these roles. I also loved writing content that impacted people’s financial lives and became dedicated to helping improve people’s financial health and helping everyone achieve financial independence

In 2017, when we first launched Hardbacon, it was an app dedicated to levelling the playing field for retail inventors. However, I quickly realized that this could build to be something more. When the pandemic began, we wanted to address the economic downturn many were facing, so we quickly transformed the app so everyone could take control of their personal finances. We did this by becoming a free app and releasing planning and budgeting features and financial product comparison tools. While the app is currently only available for Canadians, we are dedicated to helping everyone worldwide with their financial needs. That’s why our website is available to everyone, so you can go there to learn more about personal finance, where you are, and where you need to be. In addition, our blog is a valuable resource for many web visitors to Hardbacon as we write about various planning, budgeting and investing topics. 

With Hardbacon, I want to bring about more transparency in the financial industry and help everyone to be able to invest, no matter how much money they have or what stage of life they are in. Throughout my career, I have always wanted to build something that impacts people, and I feel that Hardbacon is the way to do that. Currently, the app has over 100,000 users each month. These users are growing their level of financial literacy and independence every day, and we can’t wait for others to start using our app and see the value it can bring to their lives. 

The challenges the business/market is facing

When it comes to Fintech, the biggest concern and challenge is always data security. Especially now, in 2022, we are keeping more of our personal and financial data online and on our mobile devices than ever before, so keeping information safe and secure is vital to the success of any Fintech. Thankfully, at Hardbacon, security is our top priority to combat this challenge. We have invested heavily into making our app as secure as possible, using 256-bit SSL encryption and storing data in Amazon’s data centres, ISO 27001, SOC 2 (Type II) certified. We also allow users to authenticate when they log in to the app, using a thumb or face scan. Whatever the malware or other security-related issues arise, our app is enhanced with security features and protects user information. 

Another challenge of being a mobile app in 2022 is that the market is intensely oversaturated and competitive. In order to have a competitive edge and stand out as a mobile app, it is essential to have a product that catches people’s attention and keeps people engaged. With Hardbacon, we have addressed this challenge through our offerings and our app design. Our offerings are all-in-one, so users can get our app and know that they don’t need any other financial management service to keep track of their personal income. Most finance apps do not offer investment monitoring options for their users, so by offering investment management, budgeting, planning, and income management, the Hardbacon mobile app stands out. We have also enhanced our design to be eye-catching and user-friendly for mobile better to address the challenge of the mobile app competition. 

The opportunities the business/market is facing

Everyone is going mobile in 2022. Over 90% of the world’s population owns a mobile device, and people are spending more time on their phones than ever before, with people using their phones an average of 5-6 hours per day in North America. This represents the best opportunity for mobile app growth in history. As our business is heavily focused on our mobile app, this represents a significant growth opportunity for us, as long as we can tap into the popularity of mobile usage. In order to take advantage of this opportunity, we are enhancing our mobile app constantly through design and app development. We are regularly adding new features and engaging with users through these features. We have also made the app a one-stop shop for all things personal finance, as seen in the photo below. 

By giving users the ability to manage all of their own investments, accounts, and credit cards from one app, rather than having to go online, they can open it quicker and more often. So we are focused on convenience and ease of use to take advantage of the vast mobile market right now.  

Another opportunity that is unique to Fintech right now is the Open Banking wave that is trending all over the world. Open Banking is an approach to exchanging financial information between two or more unaffiliated entities through an application program interface (API). This approach helps improve market capabilities across the banking and financial industries. It is all about securely and automatically exchanging information and benefits financial institutions. They can quickly share banking information with lenders, who can quickly understand the individual’s financial situation and make decisions quicker. The possibilities brought out by Open Banking are limitless in scope – This technology allows for quick tax calculations, quick account transfers, information transfer, approvals for loans, and more. 

At Hardbacon, we are maximizing this trending Fintech opportunity through the use of Open Banking to give each user customized product recommendations for their unique needs and situations. These product recommendations could be in a vast number of areas of finance, such as banking, budgeting, financial freedom, budgeting, mortgages, insurance, loans, credit cards, and other financial products, whatever is going to provide the best value for Hardbacon users. In this way, we give individuals an enhanced opportunity to take charge of their personal finance and build wealth as they’ve never been able to before. 

Advice to others about business

The advice I have for business owners, entrepreneurs, and other people in the space is never to give up. Nothing is impossible, and you won’t know what you can achieve until you try, try again, and keep trying. 

I launched my first business when I was 17 and spent time in many different industries and with many different businesses to try and find the ideal area for me. I am grateful for all the experiences I’ve been able to have over the years, as they have given me the skills, knowledge, and passion for what I am doing today through Hardbacon. So take each opportunity and figure out what you can learn from it because I guarantee you can learn something from every opportunity. 

Don’t give up, even if you don’t necessarily do something you absolutely love right away. Everything is an experience, and nothing is impossible, so keep dreaming and keep trying. You can do it!