Net worth across every account
Banks, cards, savings and brokerages tracked together, climbing over time.
Free to start · no credit card to begin
Your whole financial life, in one clear picture.
NivoaFlow connects your banks, cards, brokerages, budgets and goals into one view built for Canadians. See where you stand, what's safe to spend, and where it's all going.
Full access for 35 days, then keep a free plan. No credit card to start.
Light or dark, your call. Drag to switch themes.
Built in Canada
Encryption + Row-Level Security
PIPEDA-aligned privacy
We never sell your data
One connected picture
Every part of your money, working together
Your accounts, spending, plans and Canadian tax room in one honest view. Free for 35 days.
See where your money really goes
Your top merchants, ranked by how much and how often you spend.
Every account, with its history
Balances and full transaction history for each account, in one place.
Budgets that stay on track
Plan by category and watch every envelope, month to month.
Goals you actually reach
Fund what matters and watch each one fill up.
Tax-aware, made for Canada
TFSA, RRSP and FHSA room tracked as you go.
Set up in minutes
Your first two minutes
1
Connect or try sample data
Link a bank securely, or open the live demo with one tap. No signup needed to look around.
2
See your whole picture
Accounts, net worth, spending, budgets and goals land together on one screen.
3
Know where you stand
What's safe to spend, where the money went, and how your plan is tracking.
Questions people ask first
Do I need a credit card to start?
No. Sign up with just your email, or skip signup and explore the live demo. We never charge you without your explicit consent.
Which banks and brokerages are supported?
Most major Canadian banks and cards connect automatically, plus read-only brokerage sync for accounts like Wealthsimple and Questrade. You can also import a CSV.
Is my data safe, and do you sell it?
Your data is encrypted at rest, isolated per user with Row-Level Security, and stored transparently. We never sell or rent your information, full stop.
What happens after 35 days?
Your account stays active on the free plan and you keep all your data. Premium features move to a subscription; the core experience stays free.