Every part of your money.
One clear picture.
Safe-to-Spend, budgets, cash flow, net worth and your RRSP, TFSA and FHSA room. Every account working together in one calm place.
35 days freeno cardyour data stays yours
Built in the open — something new ships most weeks.
Try it without signing up
What's actually safe to spend?
Your balance lies. It counts money already promised to rent, bills and savings. Move the sliders and watch the number that actually matters.
See how it works on real accountsSafe to spend this month
$1,240
About $288 a week for the rest of the month.
Simplified illustration. In the app, Safe-to-Spend also accounts for your real balances, upcoming bills, credit-card debt and money already promised to budgets.
Light or dark, your call
Bright and clean, or easy on the eyes.
Same account, same numbers, your choice of theme. Switch anytime.
We show what you actually spent.
Credit-card payments and transfers between your own accounts double-count and inflate every other budgeting app. NivoaFlow separates real spending from money simply moving, so the charts you see are the truth.
- Transfers and card payments filtered out
- E-transfers, CRA deposits and refunds handled
- Charts you can actually trust
Understand where it went, without the guilt.
No lectures, no "stop wasting money." Just see what changed this month, find the leaks, and build clearer habits at your own pace. Your TFSA, RRSP and FHSA room sit in the same view.
- See what changed since last month
- Find the quiet leaks
- TFSA, RRSP and FHSA room, tracked as you go
Free calculators, no account needed
Not ready to sign up? Come along for the ride anyway.
“I’m Vincent. I’m building NivoaFlow on my own, in Canada, because no app worked for how we actually handle money here. It’s early, and it’s honest. Even if you’re not ready to try it yet, join me on the journey to build a money app that finally works for Canadians. I’ll send you what I ship and one useful money idea a week. That’s it.”
Weekly Canadian finance tips. No spam.
Your data, your rules
Built to earn trust, not assume it.
Bank links are optional
Start with sample data, a CSV, or manual entry. You never have to connect a bank to use NivoaFlow.
Encrypted and never sold
AES-256 encryption, PIPEDA-aligned. We don’t sell your data, and access is limited to what’s needed to run the service.
Made for Canada
TFSA, RRSP and FHSA goals, provincial tax, and Canadian bank formats, built in from day one.