Set your routing rules
Decide where every dollar should go. Bills, savings, debt payoff, investing, vacation fund, custom vaults. Percentages or fixed dollars. Your structure, your rules.
Umbra Pay is the automated paycheck intelligence platform that splits every dollar into protected vaults the moment it arrives — so your bills, savings, and goals are handled before life has a chance to interfere.
Most apps make you watch your money disappear. Umbra Pay routes it before you can.
Decide where every dollar should go. Bills, savings, debt payoff, investing, vacation fund, custom vaults. Percentages or fixed dollars. Your structure, your rules.
Every paycheck arrives, gets split, and lands in the right vaults. automatically. You never miss a bill. You never use your savings. Your future is on autopilot.
Other apps show you what already happened. Umbra operates before the spending decision exists. The money is moved, securely into vaults.. before temptation can reach it.
Each goal lives in its own protected vault. Bills can't accidentally fund a Friday night. Savings can't be used for groceries. The architecture makes mistakes impossible.
Know exactly when you'll hit each goal. See the next 90 days of cash flow. Ask "can I afford it?" and get a real answer — not a guess.
Tradespeople. Freelancers. Gig workers. Self-employed Canadians. Tax reserves, slow-season funds, and operating expense vaults handle inconsistent paychecks without panic.
Built on infrastructure used by chartered banks. End-to-end encryption. Read-only bank connections. Your credentials never touch our servers.
Umbra Intelligence watches your flow and quietly steps in. Bill spiked? It's handled. Subscription you forgot? It's flagged. Direct, calm, never judgmental.
Early Canadian users get founding-member pricing for life and first access when we launch.