About Wallet Fit
In Canada, navigating the credit card rewards landscape is uniquely challenging. Between tiered cash-back rates, complex points structures (like Aeroplan, AMEX Membership Rewards, and Scene+), card annual fees, and merchant constraints, it's almost impossible to manually optimize your wallet. Many Canadians lose hundreds of dollars in missed cash back and travel rewards every single year.
Wallet Fit was built to solve this problem. Our platform analyzes your monthly budget and guides you on exactly which card to pull out at the checkout — instantly maximizing your return.
The Wallet Fit Algorithm
Unlike basic calculators that just look at flat reward percentages, Wallet Fit implements a sophisticated **Cap-Aware Greedy Allocator** to analyze your wallet mix:
Many premium Canadian credit cards offer high reward rates (e.g. 4% cash back) that are capped at an annual spending limit (e.g., $25,000 across categories). Our engine tracks your spending month-by-month and dynamically recalculates recommendation orders once a card hits its cap, shifting secondary purchases to the next-best card in your wallet.
Should you pay a $120+ annual fee for a premium card? Wallet Fit handles the math for you. By toggling "Include annual fees", our engine subtracts card fees from your modeled rewards, letting you see exactly whether a card's premium multipliers justify its yearly cost based on your actual budget.
Not all points are worth 1 cent. Travel reward points can range from 1.0 to 2.2 cents depending on redemptions. Wallet Fit allows you to specify custom point values (e.g. AMEX MR valued at 1.8 cents), immediately updating all credit picks and opportunity-cost signals across your expenses.
Bank Integration & Plaid Security
We believe personal finance tools must be secure, transparent, and private. Wallet Fit partners with Plaid, the global leader in open banking, to connect your credit cards and sync transactions automatically.
- Read-Only Access: Our connection to your bank is strictly read-only. We only fetch transaction records to calculate reward averages. We cannot move funds or make alterations to your accounts.
- Zero Credential Storage: Your banking login details never touch our servers. You log in directly inside Plaid's secure overlay.
- Instant Purge: You always own your data. You can disconnect your cards or completely delete your Wallet Fit account at any time, instantly wiping all cached metrics and identity records from our database.
Our Core Commitment
Wallet Fit does not upsell you cards you don't need. Our "Upgrade Your Wallet" section matches your budget mathematically, showing exactly how much more you'd earn by carrying an alternative card in our Canadian database. We only earn affiliate revenue when you choose to apply through our links, supporting a sustainable platform at zero cost to you.
Our Creator & Transparency
Wallet Fit was founded by Sepehr Alipour, a software developer and personal finance enthusiast based in Canada. Our mission is to build robust, mathematically sound calculators to help Canadians navigate their daily expenses and credit choices. We value complete transparency and user trust above all else.
Have questions or feedback? Visit our Contact Us page or drop us an email at support@walletfit.app.