Free Trial Details

35 Days of Full Access — No Credit Card

Every new NivoaFlow account starts with a 35-day free trial that includes everything in our Personal tier. This is a reverse trial: you start with full premium access from day one and, at the end of the 35 days, the account quietly reverts to Free unless you choose to subscribe. We never ask for a credit card up front, so there is nothing to forget to cancel.

Sign up with just your email and password, or with Continue with Google, and you are in.

What You Get During the Trial

Full Personal tier access, including:

• Institution sync via Plaid
• Smart automatic categorisation
• All budget methods — envelope, zero-based, and percentage-based
• Spending reports — full analytics and charts
• Tax optimisation — RRSP, TFSA, and FHSA contribution monitoring
• Debt payoff planner — avalanche, snowball, and custom strategies
• Plan vs Actual and budget projections
• Cash-flow planning tools
• Custom dashboard widgets

See subscription plans and pricing for the full feature comparison.

Trial Countdown Banner

Once you sign in we show a small banner at the top of the dashboard with the days remaining in your trial. The colour shifts as the deadline gets closer:

• Teal — informational, plenty of time left
• Amber — heads up, your trial is winding down
• Red — three days or fewer remaining

If you join a household on someone else's Household plan, the trial UI is suppressed automatically — you get premium access through their subscription, so you do not need a trial.

When Your Trial Ends

At the end of 35 days, your account reverts to the Free tier. What that means:

• No charges. You are never billed without choosing to subscribe.
• Your data is preserved. All transactions, categories, rules, goals, and history remain intact.
• Premium features are paused. Plaid sync, reports, debt planner, forecasting, and other Personal features become unavailable until you upgrade.

The banner switches to a "trial ended" state so you can subscribe directly from there if you want premium back.

After the Trial

You have two options:

1. Stay on Free — Continue using NivoaFlow with manual entry, CSV import, all 5 budget strategies, goal tracking, and net worth. Your data stays right where it is.
2. Subscribe to Personal or Household — restore premium features instantly. Everything picks up right where you left off. See upgrading and downgrading.

Can I Extend My Trial?

The 35-day trial is a one-time offer per account. If you need more time to evaluate, the Free tier lets you keep using core features indefinitely while you decide.