PocketGuard is a budgeting and spending tracker for iPhone, Android and the web. Its help centre says it currently supports bank accounts and cards from the United States and Canada, and its home page says it connects to 20,000+ institutions across the US, Canada and the UK. Its pricing page shows Premium in Canadian dollars, CA$103.99 billed yearly (CA$8.67 a month), with a 7-day free trial. Its pricing page lists unlimited category budgets, rollover budgeting, subscription tracking, goals, a debt payoff plan, recurring and upcoming bills, transaction rules and import and export of transactions. In the pages we checked, we did not find a list of Canadian banks or any mention of TFSA, RRSP or FHSA. NivoaFlow connects Canadian accounts, cards and brokerages into one picture, keeps TFSA, RRSP and FHSA room beside your budget on Personal and Household plans, and explains in plain words where you stand and what each choice could do to your future. It starts free, with 35 days of full access and no credit card.
PocketGuard's pricing page shows Premium at CA$103.99 billed yearly (CA$8.67 a month), with a 7-day free trial. NivoaFlow starts free, with Personal at $8.99 CAD a month.
Feature-by-feature comparison
On NivoaFlow, the free plan covers manual entry, CSV import, budgets and goals. Bank sync, TFSA, RRSP and FHSA tracking, and cash-flow and debt planning are on Personal.
Where PocketGuard is stronger
If these matter most to you, PocketGuard lists more of them than NivoaFlow does.
Where NivoaFlow differs
TFSA, RRSP and FHSA room
On Personal and Household plans, contribution room for your registered accounts sits in the same picture as your budget, bills and goals. We did not find it listed on PocketGuard's pages.
A plain-language read
NivoaFlow explains where you stand and what each choice could do to your future. It shows the evidence behind what it says, and you confirm what is true.
A free plan with no time limit
Start on a free plan with manual entry, CSV import, budgets and goals. PocketGuard's pricing page lists a 7-day free trial of Premium.
Canada, as PocketGuard describes it
PocketGuard's help centre article "What countries does PocketGuard support?" says: "PocketGuard currently supports bank accounts and cards from the following countries" and lists the United States and Canada. Its home page says it connects to "20,000+ institutions across the US, Canada, and the UK". We read both on October 14, 2026. The pages we checked do not list which Canadian banks or credit unions connect, so check that your own bank is supported before you start a trial.
What PocketGuard lists on its pricing page
The pricing page shows Premium with prices in Canadian dollars: CA$103.99 billed yearly, which it shows as CA$8.67 a month. It offers a 7-day free trial. The page lists unlimited category budgets, rollover budgeting, subscription tracking, custom goals, a debt payoff plan, recurring and upcoming bills, help to lower your bills and cancel unwanted subscriptions, and transaction rules. The price you see may depend on where you view the page from.
What NivoaFlow includes, and on which plan
NivoaFlow has a free plan with no time limit, which covers manual entry, CSV import, budgets, goals and net worth tracking. Bank sync, brokerage sync, automatic categorization and TFSA, RRSP and FHSA tracking are on Personal, which is $8.99 CAD a month, and on Household. New accounts get 35 days of full access with no credit card.
Checked October 14, 2026, from the sources below. Prices and features of both products may have changed.PocketGuard is a trademark of its respective owner. NivoaFlow is not affiliated with PocketGuard.
Sources: PocketGuard help centre: supported countries, PocketGuard home page, PocketGuard pricing, NivoaFlow pricing