Every part of your money.
And where you stand.
NivoaFlow is a personal finance app for Canadians. Every account in one calm place, then a plain-English read of your financial situation, your choices with the math, and what changed today. Your RRSP, TFSA and FHSA room included.
35 days freeno cardyour data stays yours
Built in the open: something new ships most weeks.
Try it, no signup
Read it. Confirm it. Choose.
On top of your connected accounts, NivoaFlow reads your situation and shows your options, with the math.
The financial life your data shows
You are early in your career: renting, earning a steady income, with one balance to clear.
- 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.
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.
Open the sample readScreens on this page show sample data. Your read will use your own accounts. Financial education, not advice.
Light or dark, your call
Bright and clean, or easy on the eyes.
Same account, same numbers, your choice of theme. Switch anytime.
We show what you actually spent.
NivoaFlow separates spending from transfers between your accounts and credit-card payments, helping you avoid counting the same spending twice.
- Transfers and card payments filtered out
- E-transfers, CRA deposits and refunds handled
- Charts you can actually trust
Understand where it went, without the guilt.
No lectures, no "stop wasting money." Just see what changed this month, find the leaks, and build clearer habits at your own pace. Your TFSA, RRSP and FHSA room sit in the same view.
- See what changed since last month
- Find the quiet leaks
- TFSA, RRSP and FHSA room, tracked as you go
Free calculators, no account needed
Not ready to sign up? Come along for the ride anyway.
“I’m Vincent. I’m building NivoaFlow on my own, in Canada, because no app worked for how we actually handle money here. It’s early, and it’s honest. Even if you’re not ready to try it yet, join me on the journey to build a money app that finally works for Canadians. I’ll send you what I ship and one useful money idea a week. That’s it.”
Weekly Canadian finance tips. No spam.
Your data, your rules
Built to earn trust, not assume it.
Bank links are optional
Start with sample data, a CSV, or manual entry. You never have to connect a bank to use NivoaFlow.
Encrypted and never sold
AES-256 encryption, PIPEDA-aligned. We don’t sell your data, and access is limited to what’s needed to run the service.
Made for Canada
TFSA, RRSP and FHSA goals, provincial tax, and Canadian bank formats, built in from day one.