What Is NivoaFlow?
An overview of NivoaFlow — the Canadian-first personal finance app for budgeting, goal tracking, tax optimisation, and household collaboration.
Your Complete Canadian Finance Companion
NivoaFlow is a personal finance app built from the ground up for Canadians. Whether you want to track spending, save for a goal, or manage your household finances together, NivoaFlow gives you the tools to take control of your money.
What You Can Do with NivoaFlow
Budget Your Way
Choose from five budgeting strategies to match your style — every strategy is available on every plan:
- Envelope Budgeting — allocate money into category "envelopes" and track spending against each one
- Zero-Based Budgeting — assign every dollar of income until your balance hits zero
- 50/30/20 Rule — split spending into Needs, Wants, and Savings
- Pay Yourself First — prioritise savings, then spend what remains
- Spending Tracker — watch the numbers without setting per-category limits
You can switch strategies anytime without losing your data.
Connect Your Institutions
Link your bank or credit union through Plaid for automatic transaction syncing, or import transactions via CSV — with built-in support for TD, CIBC, Scotia, Tangerine, Simplii, Amex, plus migration from YNAB, Monarch, Mint, and Copilot.
Track Goals and Savings
Set savings goals and track progress automatically. Link goals to dedicated accounts, categories, or tags so your progress updates in real time.
Manage Recurring Bills
Keep track of upcoming bills and subscriptions so nothing catches you off guard.
Monitor Your Net Worth
See all your assets and liabilities in one place. Multi-currency support means foreign accounts are included too, with exchange rates refreshed every six hours.
Optimise Your Taxes
Track RRSP, TFSA, and FHSA contribution room with up-to-date Canadian tax limits built right in.
Collaborate as a Household
Share finances with your partner or family. Assign roles and follow activity in a shared feed — all under one plan.
Reports and Insights
Visualise your spending patterns, compare plan vs. actual budgets, and spot trends over time with detailed reports.
Who Is NivoaFlow For?
NivoaFlow is for anyone in Canada who wants a clear picture of their finances — whether you are a student tracking your first budget, a couple managing shared expenses, or a family planning for the future.