Before you start
The questions worth answering first.
A short, honest read on what NivoaFlow is, what it costs and how your money data is handled. Looking for step-by-step how-tos instead? Those live in the Help Centre.
NivoaFlow is a personal finance app built for Canadians. It brings your spending, budgets, goals and registered accounts together in one picture, with a Safe-to-Spend number that tells you what is actually yours to spend after bills and buffer. It understands Canadian bank CSV formats and Canadian tax room like RRSP, TFSA and FHSA out of the box.
Already signed up?
The how-to answers live in the Help Centre.
We keep the step-by-step guides in one place so they stay current. Here are the ones people reach for most.
Getting your data in
Budgeting and transactions
Canadian tax and net worth
Still deciding?
Load a sample household in your browser, or start free with your own accounts. Either way you are two minutes from the full picture.