Canadian personal finance · 35-day Personal trial · no credit card

The finance app where your money explains itself.

NivoaFlow puts your Canadian accounts in one clear picture and explains where you stand. You confirm what is true.

Start free See a sample read

No signup. A short sample with made-up data.

Start free on the web today. Every Personal feature for 35 days, then keep the free plan. No credit card required.

The Financial situation screen in dark theme: a plain sentence about your financial life, your life stage, and options to explore.

The Financial situation screen in light theme: a plain sentence about your financial life, your life stage, and options to explore.

Light or dark, your call. Drag to switch themes.

Built in Canada

Encryption + Row-Level Security

PIPEDA-aligned privacy

We never sell your data

On top: your situation

It reads everything, then explains it

The connected picture is the foundation. On top of it, NivoaFlow does the reading for you.

Your financial situation

A plain sentence about your financial life

A read of where you stand, a life stage you can confirm or change, and the facts behind it. Nothing is a score, and nothing is a verdict.

The financial life your data shows

You are early in your career: renting, earning a steady income, with one balance to clear.

Early careerBased on 12 months of data.

Net worth: $68,230
Cash: $12,170
Invested: $67,100
Owed: $11,040

Read from 7 accounts · 12 months of history

We read your situation as Early career.

That’s my situation Choose a different one

Paths

Options built from your situation, with the math

Each path shows its outcome, its trade-off and every input behind it. Assumptions, such as a 5% return, are stated and yours to change. Guidance, not advice.

Options you could explore from here

If you clear the high-interest debt first

certain saving

Put your average $122/mo surplus toward the $1,240 card balance.

Debt free in: 11 months
Interest you stop paying: about $248 a year

Trade-off: A few months less saving elsewhere while you clear it, but the interest you stop paying is a certain saving.

Choose this path See the math

If you invested the surplus

market risk

If you invested your average $122/mo and it grew at an assumed 5%/yr. An assumption, not a guarantee.

In 5 years: About $94,400
In 10 years: About $129,500

Assumption

Assumed growth: 5% per yearChange

Trade-off: Returns are not guaranteed; markets fall as well as rise. Usually best once high-interest debt is gone.

Choose this path See the math

Guidance, not advice. Projections rest on the assumptions shown on each card, yours to change and never a guarantee. Markets vary.

Today

What changed, in plain words

Each visit starts with what changed since you last looked and what needs a look, in one short list.

Your story today

No action needed

Connected accounts last updated today.

Screens on this page show sample data. Your read will use your own accounts. Financial education, not advice.

Underneath: 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.

Net worth

Net worth across every account

Banks, cards, savings and brokerages tracked together, climbing over time.

Net worth

$68,229.83

+$11,234.02 (+19.7%) past year

Oct 2025Oct 2026

Net worth$68,229.83+$11,234.02 past year
Registered and investments$67,100.00+$7,310.50 past year
Cash and other$12,170.18−$1,215.40 past year
Debt (what you owe)−$11,040.35$5,138.92 less owed

Top merchants

Total and average per visit

1Skyline Properties$5,550.00$1,850.00 avg
2Loblaws$588.61$196.20 avg
3Rogers$255.00$85.00 avg
4Toronto Hydro$249.68$83.23 avg
5Shell$211.60$70.53 avg

See where your money really goes

Your top merchants, ranked by how much and how often you spend.

Accounts

With their history

Cash and savings2 accounts · $12,170.18

Everyday ChequingChequing · Everyday Bank$3,420.18
Emergency FundSavings · Everyday Bank$8,750.00

Registered3 accounts · $67,100.00

TFSA InvestmentsTFSA · Wealthsimple$18,600.00
RRSP PortfolioRRSP · Wealthsimple$42,300.00
First Home Savings (FHSA)FHSA · Wealthsimple$6,200.00

Every account, with its history

Balances and full transaction history for each account, in one place.

Budget

This month

On track

Off track

Remaining

$1,238.81

Transportation−$216.61
$576.61 of $360.00
Shopping−$9.67
$489.67 of $480.00
Rent And Utilities$509.22
$2,090.78 of $2,600.00

Budgets that stay on track

Plan by category and watch every envelope, month to month.

Goals

Total saved

$14,950.00

Emergency Fund$8,750.00
58% of $15,000Due Sep 2027
First Home Down Payment$6,200.00
16% of $40,000Due Jan 2029

Goals you actually reach

Fund what matters and watch each one fill up.

Contribution room

Registered accounts

RRSPRegistered Retirement Savings Plan$10,408.99
TFSATax-Free Savings Account$13,285.28
FHSAFirst Home Savings Account$1,800.00

Tax-aware, made for Canada

TFSA, RRSP and FHSA room tracked as you go.

Screens on this page show sample data. Your read will use your own accounts. Financial education, not advice.

Getting started

Get your money picture current

Connect or explore a sample

Link a bank or brokerage, or open the sample without signing up. If you prefer a file, you can add transaction history after this step.

Review what we found

Review the accounts, transactions and suggestions NivoaFlow found. Confirm what is right and correct what is not.

Stay current

Connected accounts update through bank sync. You choose suggested categories, reconnect when your bank asks, and add new files or manual entries for accounts that do not sync.

Automatic bank sync is included in Personal during the 35-day trial. CSV import and manual accounts remain available on Free.

Adding older transaction history from a CSV or finance app export is optional. Read how imports work

Questions people ask first

Do I need a credit card to start?

No. Create your account with Google, or with an email address and a password. You can also 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 through Plaid, and eligible brokerages connect through SnapTrade. CSV import has built-in formats for TD, CIBC credit cards, Scotiabank chequing, Tangerine, Simplii and Amex, plus YNAB, Monarch, Mint and Copilot. Other files can be mapped, and manual accounts are also available.

Do I have to keep my data up to date?

Connected accounts update through bank sync. You may need to reconnect when your bank asks, and you review suggested categories and other decisions that need your call. CSV and manual accounts need a new file or entry when you want them up to date.

Is this financial advice?

No. It is financial education. Every figure shows its inputs, and the assumptions are stated and yours to change.

What if the read is wrong?

You can confirm it, choose a different situation, or correct a single fact. Your corrections are remembered the next time we read your accounts.

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, and the core experience stays free.

See your whole picture, and where you stand

Start free on the web today. Every Personal feature for 35 days, then keep the free plan. No credit card required.

Start free See a sample read