Early access · Canadian finance

Upload a statement. See everything.

Every account you bring in, one honest view — your cashflow, your bills, your net worth. No bank login. Now with investment-statement PDF import.

Start free — no bank login Try the live demo

Free early access · No credit card · Takes <60 seconds

flowvista.ca/app
FlowVista cashflow dashboard showing income, expenses, and free cash for a pay period
BANK-STATEMENT.CSV · 247 TX PARSED · 0 ERRORS
01·The upload

A statement drops in.

Export a CSV or statement PDF from your bank and upload it. Your file is read in your browser and never stored.

reading rows…
FILE  ·  bank-statement.csv — 2 accounts
ROWS  ·  247 parsed, 16 categories detected
STORED FILE  ·  none — read in your browser
BANK-STATEMENT.CSV
2 accounts · 247 rows
✓ PARSED
05-02 METRO #874 TORONTOGroceries -84.31
05-04 TIM HORTONS #4821Dining -6.85
05-15 PAYROLL DEPOSIT — ACMEIncome +2,700.00
05-18 ENBRIDGE GAS PREAUTHBills -78.00
05-20 PRESTO FARE / TTCTransport -3.35
05-22 LOBLAWS #1120Groceries -52.18
02·See

One honest view.

Transactions auto-categorize in seconds. Cashflow, bills, and net worth line up side by side — no app-hopping, no manual entry.

Cashflow Trend chart comparing income and expenses across three months, with net kept per month
fig. 01cashflow trend — income vs expenses per month, with what you kept. Demo data.
Where your money goes — a five-lane stacked bar splitting a pay period across saved, fees, housing, transport, and lifestyle
fig. 02where your money goes — one pay period, split five ways. Demo data.

Your financial pulse, updated on every upload.

— One CSV upload, complete financial picture
Net worth hero card showing total net worth, snapshot deltas, a recent trend line, and progress toward positive net worth
fig. 03net worth — assets minus liabilities, updated on every upload. Demo data.
Upcoming bills list with due dates, autopay chips, and an unpaid total
fig. 04upcoming bills — auto-detected recurring charges, soonest first. Demo data.
03·Ask

Ask anything, in plain English.

Natural-language questions about your own finances get a real answer, grounded in the numbers you uploaded. The Ask assistant is free.

Ask FlowVista Free
What's my savings rate?

Over the last 3 months your savings rate is 12.7% — you kept about $1,106/month of your $8,706 average income (income minus spending).

Where the rest goes:

  • Housing is your largest expense at roughly $2,400/month
  • You're investing about $600/month into your TFSA, RRSP and FHSA

At your dining plan, your rate would be closer to 16%.

fvCashflow fvSpendingBreakdown

To answer, the Ask assistant sends a redacted summary of your finances to our AI provider — mostly aggregates; for transaction-specific questions a small sample of matching rows may be included, with personal identifiers automatically redacted — and they don't train on it. Everything else stays on your account.

04·Built for Canadians

TFSA, RRSP and FHSA room, tracked.

Import RBC, Questrade and Sun Life statement PDFs — or add any account by hand — and FlowVista keeps an eye on your contribution room, benchmarks your portfolio, and projects growth. Illustrations based on the data you upload, not predictions.

Contribution Room card showing TFSA, RRSP and FHSA room left, used percentages, and total room
fig. 05contribution room — TFSA, RRSP & FHSA, from your own CRA figures. Demo data.
Projected Growth chart plotting total value against contributions over 25 years at an illustrative 6% return, with 5-, 15- and 25-year marks
fig. 06projected growth — an illustrative return scenario, adjustable. Demo data.
Benchmark Comparison Conservative Balanced Aggressive

Measured against XEQT — iShares Core All-Equity ETF, a common all-in-one fund for the aggressive profile.

1-yr return
+20.5%
~5-yr average / yr
+13.7%

XEQT published calendar-year total returns (CAD). Past performance does not predict future results. XEQT is shown as a common comparison fund for this risk profile — not a recommendation. Not investment advice.

Tailored CSV handling
RBC · TD · Scotiabank · BMO · EQ Bank · Tangerine · Simplii · Desjardins
Read by the smart format detector
CIBC · Wealthsimple · National Bank — plus any bank that exports a standard CSV
Validated PDF statements from
Questrade · RBC · Sun Life group plans — more institutions rolling out; add any other account manually
05·The differentiator

Privacy by architecture.

Not by policy. By how it's built.

01

No bank login. Ever.

There is no OAuth, no open-banking API, and no third-party aggregator. You download a CSV from your bank yourself — or import an investment-statement PDF — and upload it here. Your bank credentials never leave your bank.

02

Read in your browser.

Your file is read in your browser and never stored. Only the parsed transactions are saved to your own private account. Your transactions are encrypted in transit and at rest and isolated to your account, so other users can't see your data.

03

Never sold. View-only.

FlowVista never sells your data and never shares it with advertisers or data brokers. It's view-only by design — it can read your statements, but it can never move your money.

04

Yours to delete, anytime.

You can permanently delete your account and all your data from your Settings. Deletion is immediate and final — we currently keep no backups of your data. Export your transactions to CSV whenever you like.

06·FAQ

Common questions.

How does FlowVista get my data?+
You export a CSV from your bank, then upload it into FlowVista — and you can also import investment-statement PDFs (Questrade, RBC, and Sun Life group plans today, with more rolling out). There is no OAuth, no open-banking API, and no third-party aggregator. Your file is read in your browser and never stored — only the parsed transactions are saved to your own private account, protected by row-level security so other users can't see them.
Is my financial data safe?+
Your transactions are encrypted in transit and at rest and isolated to your account. FlowVista has no access to your bank, never sells your data, and never shares it with advertisers or data brokers. The exceptions are optional features you turn on: the Ask assistant sends a redacted summary of your finances to our AI provider (mostly aggregates; for transaction-specific questions a small sample of matching rows may be included, with personal identifiers automatically redacted — and they don't train on it), and email reminders and digests are delivered through our email provider. You can permanently delete your account and all its data from Settings at any time.
Why CSV uploads instead of connecting to my bank?+
Most Canadian banks require that you never share your online banking credentials with third parties, and doing so may affect your fraud protection. FlowVista takes a different approach: you download a CSV from your bank yourself and upload it here. Your bank credentials never leave your bank. Read why CSV uploads are safer →
Which Canadian banks are supported?+
RBC, TD, Scotiabank, BMO, EQ Bank, Tangerine, Simplii, and Desjardins have tailored CSV handling, and CIBC, Wealthsimple, and National Bank — plus any bank that exports a standard CSV — are read by the smart format detector. Investment-statement PDF import reads Questrade, RBC, and Sun Life group retirement plans (DPSP, pension, group RRSP) automatically, with more institutions rolling out — and you can add any other account manually. See step-by-step export guides →
Is FlowVista free?+
Yes. FlowVista is free during the Canadian early-access launch. No credit card required. Early users keep free access to the early-access feature set as the platform grows.
What if FlowVista shuts down?+
Your data stays yours. Export your transactions to CSV at any time, with a full-account export on the way. If FlowVista ever winds down, we commit to at least 90 days notice and keeping the export feature running until the last day.
How accurate is the auto-categorization?+
Most everyday Canadian transactions are categorized automatically. You can override any category inline, save a rule ("always tag PRESTO as Transportation"), and FlowVista will apply it going forward.

Start tracking in 60 seconds.

Upload one CSV. See your complete financial picture. Free during early access.

Start free — no bank login

No credit card · No bank login · Export anytime