Wealthica describes itself as an investment financial tracker and budgeting tool. Its Canada site lists 20,000+ institutions, including 200+ core Canadian investment institutions and 500+ crypto exchanges, blockchains and wallets, with a web app and iOS and Android companion apps. It names investors, financial advisors, family offices and institutional partners among the people it serves. NivoaFlow connects Canadian accounts, cards and brokerages into one picture, then explains in plain words where you stand and what each choice could do to your future. You confirm what is true, and it remembers. NivoaFlow has a free plan with manual entry and CSV import, and a 35-day Personal trial with no credit card. Bank and brokerage sync are part of the paid plans.
Wealthica lists plans from $50 a year or $6.25 a month, and a 14-day free trial on Unlimited Connect, Premium and Prestige. Its Canada site does not name the currency. NivoaFlow has a free plan, a 35-day Personal trial with no credit card, and Personal at $8.99 CAD a month or $49 CAD a year at the founding price.
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 Wealthica is stronger
If these matter most to you, Wealthica lists more of them than NivoaFlow does.
Where NivoaFlow differs
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.
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.
Free plan, no card trial
Start on a free plan with no time limit, or try every Personal feature free for 35 days with no credit card.
Plans and prices, as Wealthica lists them
The Wealthica Canada site shows prices with a dollar sign and does not name the currency. Its pricing cards list Unlimited Connect at $75 per year or $9.99 a month, Premium at $150 per year or $19.99 a month, and Prestige at $250 per year or $29.99 a month. Its comparison table also lists a Connect plan at $50 per year or $6.25 a month billed monthly, with 3 Canadian institutions, while the other plans list unlimited Canadian institutions. Unlimited Connect adds digital asset tracking and sharing your own dashboard. Premium adds 15-minute delayed quotes, premium support, accepting sharing invites from 10 users and US institutions (listed as in beta). Prestige adds VIP support. Unlimited Connect, Premium and Prestige each offer a 14-day free trial, and its pricing page describes a 60-day money-back guarantee for Premium. The pricing page lists paid plans with no free plan among them, and its How it Works page says "Sign Up Free" without describing a free plan.
What NivoaFlow costs
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 or $49 CAD a year at the founding annual price (the regular annual price is $69). Household is $12.99 CAD a month or $69 CAD a year at the founding price. Every new account can try Personal free for 35 days with no credit card.
What each is built to answer
Wealthica answers "how are my investments and accounts doing across every institution?" with detailed reports. NivoaFlow answers "where do I actually stand, and what happens if I change something?" in plain words, with budgets, bills, goals and household sharing in the same place. If investment reporting is your main need, look closely at Wealthica. If you want a clear read of your whole situation, look at NivoaFlow. Nothing stops you from trying both. We read the Wealthica home, pricing, how it works, integrations and security pages. We did not read its help centre or blog, which may describe more, including support for registered accounts.
Checked October 10, 2026, from the sources below. Prices and features of both products may have changed.Wealthica is a trademark of its respective owner. NivoaFlow is not affiliated with Wealthica.
Sources: Wealthica Canada home page, Wealthica Canada pricing, Wealthica How it Works, Wealthica supported institutions, Wealthica security, NivoaFlow pricing