Free vs. Personal vs. Household Plans
A detailed comparison of NivoaFlow's three pricing tiers and what each one includes.
Find the Right Plan for You
NivoaFlow offers three tiers so you can choose the level of functionality that fits your needs and budget.
Free — $0 Forever
The Free tier gives you a solid foundation for managing your money on your own:
- Manual transaction entry
- CSV and Excel import — including built-in support for major Canadian institutions and finance apps
- Categorisation rules — set up pattern-matching rules to auto-categorise transactions
- All five budget strategies with rollover — Envelope, Zero-Based, 50/30/20, Pay Yourself First, and Spending Tracker
- Recurring transaction detection
- Goal tracking — create goals and track progress
- Net worth monitoring across all your accounts
- Multi-currency support (CAD, USD, GBP, EUR)
- Basic spending reports
- Data export (JSON)
Free is a great starting point if you want to try NivoaFlow without any commitment.
Personal — $8.99/month or $49/year
Everything in Free, plus the automation and intelligence layer:
- Institution sync via Plaid — connect your bank or credit union for automatic transaction imports
- Smart categorisation — let NivoaFlow suggest categories based on merchant and description
- Automatic merchant tagging
- Tax optimisation insights — RRSP, TFSA, and FHSA contribution room tracking
- Debt payoff planner — model avalanche, snowball, and custom payoff strategies
- Plan vs. actual and budget projections
- Cash-flow planning tools
- Advanced reports and analytics
- Custom dashboard
- Priority email support
The annual price reflects our launch founding pricing of $49/year (regular $69/year). Founding pricing locks in once subscribed.
Household — $12.99/month or $69/year
Everything in Personal, plus features designed for shared finances:
- Shared goals and budgets with your partner
- Invite family members to collaborate
- Role-based access controls
- Two members included
- Early access to new features
The annual price reflects our launch founding pricing of $69/year (regular $99/year).
Which Plan Should You Pick?
- Just getting started, or prefer to keep things manual? Free covers manual entry, CSV import, all five budget strategies, recurring detection, and net worth.
- Want automation and insights? Personal unlocks institution sync, smart categorisation, tax tracking, the debt planner, and advanced reports.
- Managing money with a partner or family? Household brings collaboration and shared visibility on top of every Personal feature.
Every new account starts on the Personal plan for 35 days at no cost, so you can explore the full feature set before deciding.