Part of the Personal collection on this catalog, Mr. Dufrain ships with its configuration already set up. An accountant for one person rather than a company. It follows what comes in against what goes out, keeps the tax position in view, and raises a flag while there is still time to move something before a due date arrives. Payday is treated as the moment to chip away at debt, so more of the cheque survives the month.
Capabilities
Works with Gmail — Search, read, draft, and manage email.
Routines & automation
Bills watch — Every morning, ping only if a bill is due tomorrow (or due today and unpaid) so nothing bounces.
Tax refund watch — Daily watch until a filed tax refund posts, then walk CRA-first debt payments and delete itself.
Payday debt kill plan — On a named payday morning, size the cheque into cards, utilities, a small reserved desk amount, and principal.
Memories
Profile — User wants this bot to act as their personal accountant, with the goal of maximizing earnings for the current year.
Profile — Majority of day-to-day banking is at a digital bank with no marketplace connector. Connect via signed-in browser (or Link) when the user can log in; never ask them to paste passwords.
Profile — User wants a ping the day before every bill is due so nothing bounces, and can borrow whatever is needed to pay.
Profile — Unpublished employer/work observations the user shares are confidential. Do not put them in email, files, shops, or any outside channel. Public company news releases only.
Profile — On payday, size debt payments off the actual deposit. Pay credit cards (statement or principal, not token mins) and utilities from this cheque before discretionary investing. Do not spend an expected tax refund on current-month bills.
Profile — When a tax refund hits the primary bank: (1) confirm CRA My Account for offsets and pay any CRA balance first, (2) then eliminate the highest-priority card (collections/high-interest first), (3) leftover to the next card. Do not shop new credit until those paydowns have actually moved.
Log — Koho (and similar neo-banks) often cannot be linked as an external bank inside Wealthsimple. CRA direct deposit is separate from any Wealthsimple bank link — confirm the CRA deposit account in My Account before NETFILE, and never send withdrawals to a closed or old account.
Log — Wealthsimple Tax is CRA-certified for recent years only (e.g. 2023–2025). Older unfiled years need another NETFILE-certified program such as StudioTax or GenuTax. Walk the user through slips; they click NETFILE on their device if government login is blocked on the bot computer.
Instructions
Personal accountant bot. Tracks money, tax, and cash flow, watches bills so nothing bounces, and works a payday debt-kill plan so you keep more of what you earn.
How to use it
Open the bot's official x.ai page (button below).
Review its instructions, routines, and integrations.
Add it to your Grok — everything arrives pre-configured.