The product

Every part of your money, one connected picture.

Every account in one calm place, then a plain read of your financial situation, your options with the math, and what changed today. Your RRSP, TFSA and FHSA room included.

Try it with sample data Start free

Try every Personal feature free for 35 days, then keep the free plan. No credit card required.

Start with the read

Read it. Confirm it. Choose.

On top of your connected accounts, NivoaFlow reads your financial situation, shows your options with the math, and tells you what changed today.

Illustrations use sample data. Expand any feature to see its app screen.

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

Your financial situation: view the app screen

NivoaFlow financial situation screen in light theme: a plain sentence about your financial life, with your life stage and the facts behind it.

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.

Paths: view the app screen

The two paths the sample can take: clearing the high-interest card first, or investing the surplus.

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.

Today: view the app screen

NivoaFlow Today screen on the public sample: what is covered before payday, what is set aside, and the short story of what changed.

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

The connected picture

Everything under the read, in one place.

Accounts, spending, budgets, goals, net worth, Canadian tax room and household, all in one clear picture.

Illustrations use sample data. Expand any feature to see its app screen.

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

Chequing, savings, cards and brokerages in one place, each with its balance and full transaction history. Brokerage balances stay read only.

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

Where your money actually goes

The real names behind your spending, ranked by total and by how often. Transfers between your accounts and credit-card payments are separated out, helping you avoid counting the same spending twice.

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

Pick a strategy, set your limits, and your real spending fills in against it. Envelope, 50/30/20, zero-based and pay-yourself-first all work the same way: no spreadsheet upkeep.

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

Track progress toward your goals

Fund what matters and watch each goal fill up, with the transactions that count toward it.

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

Net worth across every account

Banks, cards, savings and brokerages tracked together over time, with the line and the table that is its legend reading from the same numbers.

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 contribution room tracked as you contribute, against the CRA rules rather than a flat number.

Accounts: view the app screen

NivoaFlow accounts screen on the public sample: seven accounts grouped as cash and savings, registered, and credit and loans, each with its balance.

Spending: view the app screen

NivoaFlow reports screen showing Top Merchants: each merchant name with its total spend, visits and average per visit.

Budgets: view the app screen

NivoaFlow budget screen on the public sample: monthly income, the on-track, watch, off-track and remaining totals, and envelope rows with planned, actual and remaining amounts.

Goals: view the app screen

NivoaFlow goals screen on the public sample: total saved, the monthly amount still needed, how many goals are on track, and goals with their progress bars.

Net worth: view the app screen

NivoaFlow net worth report: the net worth, total assets and total liabilities figures, and on a wide screen the series legend table with current values and year change.

Tax room: view the app screen

Tracked account totals shown here are not contribution-room figures.

NivoaFlow registered-account summaries: the RRSP and TFSA totals the app currently tracks.

Household

Share the money picture

On the Household plan, bring in your partner or family and see shared activity without handing over a password.

The Household plan workspace: shared goals with their progress, and the recent contribution activity feed on a wide screen.

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

Built for Canada

The registered accounts, done properly.

We track room against your own contributions and the CRA rules, not a flat number that assumes everyone is the same.

RRSP

Room based on your earned income

Your room is generally 18% of your earned income from last year, up to the annual CRA maximum and subject to adjustments such as a pension adjustment, plus any room you have carried forward. We track your contributions against the room you actually have.

2026 CRA ceiling: up to $33,810. Your own room depends on your earned income, any pension adjustment, and your history.

CRA, RRSP dollar limit

TFSA

Your room, added up right

The current year limit plus everything you have carried forward since you became eligible. We keep a running total as contributions land, so you do not guess.

2026 annual limit: $7,000. Your total room includes prior years.

CRA, TFSA contribution room

FHSA

Toward your first home

Contributions tracked against both the yearly limit and the lifetime cap, so you always know how much room is left before you over-contribute.

Limits: $8,000 a year, $40,000 lifetime.

CRA, FHSA contribution limits

Limits shown are the CRA published maximums, not your personal room. For general information, not tax advice. Your Notice of Assessment shows your actual room.

Watch it work

See it move, not just sit there.

A still freezes a moment. This is the real Transactions screen, running on the sample household.

Everything sorted, transfers filtered out, so the numbers mean something.

How the pieces fit

Four steps, then it runs on its own.

Connect or import

Link an account with Plaid, or bring in a CSV or manual entries from any Canadian bank. All of it lands in the same place.

NivoaFlow sorts it out

Transactions get categorised, and transfers and card payments get separated out, so your spending is not double-counted.

Read your situation

It reads your situation from your own transactions, and you confirm what is true before the numbers are trusted.

Plan the road ahead

Paths with the math, budgets, goals, net worth and Canadian tax room all read from the same clean picture.

See your own money this way.

Load the sample household in your browser, or start free with your own accounts. Either way, you are two minutes from the full picture.

Try every Personal feature free for 35 days, then keep the free plan. No credit card required.

Try it with sample data Start free