YNAB (You Need A Budget) is built around one method: give every dollar a job. Its pricing page says direct bank import supports select US, Canadian, UK and EU banks, so Canadian accounts can connect, and its help centre adds that some banks and credit cards, "especially so with Canadian institutions", are more challenging to connect. YNAB is priced in US dollars at $14.99 a month or $109 a year, and its page says exchange rates are not reflected in the price. It offers a 34-day free trial with no credit card when you sign up directly, and one subscription can be shared with up to six people. In the pages we checked, we did not find TFSA, RRSP or FHSA contribution room listed. YNAB's guide to investment accounts describes tracking contributions with a category, or adding the account as a tracking account. 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. NivoaFlow has a free plan with manual entry and CSV import, and a 35-day Personal trial with no credit card. Bank sync is part of the paid plans.
YNAB lists $14.99 USD a month or $109 USD a year. 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 YNAB is stronger
If these matter most to you, YNAB 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.
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.
CAD pricing and a free plan
Start on a free plan with no time limit. Paid plans are priced and billed in Canadian dollars.
Does YNAB work in Canada?
Yes. YNAB's pricing page says direct import currently supports select US, Canadian, UK and EU banks, and its help centre says it works with Plaid and MX for this. The same help centre says some banks and credit cards, "especially so with Canadian institutions", are more challenging to connect. YNAB does not list Canadian banks on the pages we checked, so confirm that your own bank connects before you pay. If it does not, YNAB offers file-based import.
Currency: US dollars, one currency per plan
YNAB is priced in US dollars, and its pricing page says exchange rates are not reflected in the price. Inside the app, a YNAB plan budgets in one currency. For US and Canadian dollars together, YNAB's guide recommends a separate plan for each. NivoaFlow is priced in Canadian dollars and reports in CAD.
Registered accounts
YNAB's guide to investment accounts describes two ways to follow them: leave the account out and plan your contributions with a category, or add it as a tracking account. In the pages we checked, we did not find contribution room for TFSA, RRSP or FHSA listed. NivoaFlow tracks that room on Personal and Household plans.
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). Every new account can try Personal free for 35 days with no credit card.
How to switch from YNAB
In the YNAB web app, click the name of your plan and choose Export Plan. YNAB says exporting is only available on the web.
YNAB downloads two CSV files. Keep the transactions file.
Sign up for NivoaFlow (free, no credit card).
Go to Import and upload the CSV.
NivoaFlow recognizes the YNAB transactions file and reads the date, payee, category, memo, outflow and inflow. Budget amounts and targets are not imported; YNAB says its export does not include targets.
Checked October 14, 2026, from the sources below. Prices and features of both products may have changed.YNAB is a trademark of its respective owner. NivoaFlow is not affiliated with YNAB.
Sources: YNAB pricing, YNAB: How Direct Import Works, YNAB: My bank is not listed, YNAB: Using Multiple Currencies, YNAB: Tracking Investment Accounts, YNAB: Loan Accounts, YNAB: Categorizing Transactions, YNAB: Exporting Plan Data, NivoaFlow pricing