FlowVista — Cashflow Analytics & Investment Analysis for Canadians

✦ What You Get

Cashflow clarity. Investment insight.

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Instant Cashflow Analysis

Upload a bank CSV and get income vs. expenses, savings rate, burn rate, and actionable insights in seconds. Supports RBC, TD, BMO, CIBC, Scotiabank, Simplii, Wealthsimple, and more.

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Investment Analysis & Benchmarks

Import your investment statements (PDF) and see your portfolio benchmarked against the TSX and a risk-matched ETF over 10 years. Get Sharpe ratios, alignment scores, MER warnings, and personalized recommendations.

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See How Money Flows

A visual diagram maps exactly where every dollar goes — from payroll to chequing to housing, savings, and lifestyle. No other personal finance app does this.

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Budget Targets & Report Cards

Set spending limits per category, track progress with visual bars, and get a letter-grade report card every pay period. Go from "where did my money go?" to "I'm in control."

✦ Workflow

Up and running in three steps

No integrations, no OAuth, no credentials required. Upload your bank CSV or investment statement PDF and you're done.

Upload Your Data

Export a CSV from your bank or download a PDF investment statement from your brokerage (TFSA, RRSP, Non-Registered — all supported). Paste or upload it directly. FlowVista handles the rest.

FlowVista Analyzes

Transactions are auto-categorized and anomalies flagged. Investment holdings are extracted with account types, book values, and market values — then benchmarked against 10 years of index data.

Take Action

Review your cashflow, spending breakdown, and investment performance side by side. Get personalized recommendations — from rebalancing tips to MER warnings — and ask the AI assistant to dig deeper.

✦ Privacy & Security

Your data, your rules.

FlowVista is view-only and privacy-first. No bank credentials, no open-banking APIs, no ads, and no sale of your financial history — ever.

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Your data, not our asset

Your parsed transactions live in your own private, encrypted account — protected by row-level security so no other account can ever read them. We never sell your data, share it, or use it to train AI.

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View-only, always

FlowVista cannot move money, pay bills, or initiate transactions. It reads your exports and shows you patterns — that's the entire surface area.

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Zero credentials

No OAuth flows, no banking passwords, no Plaid-style linking. You upload a CSV or PDF you exported yourself — the same files your accountant would use.

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Canadian-bank aware

RBC, TD, Scotiabank, BMO, CIBC, Wealthsimple, EQ Bank, Tangerine — FlowVista understands the quirks of each export format and normalizes them automatically.

✦ Early Access

Be one of the first.

FlowVista is in its early-access window — free for Canadians, no credit card, and a direct line to the person building it.

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Direct line to the builder

Found a bug, want a feature, or hate a category icon? Email the builder. FlowVista is run by one Canadian — not a support queue in another timezone.

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Shape what ships next

Early-access feedback goes straight to the roadmap. The pay-period view, the Ask tab, the flow diagram — all shaped by the first users telling me what broke.

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Free while we grow

FlowVista is free during early access — no credit card, no hidden limits. Paid plans may arrive later; everyone who joins now keeps free access as we grow.

Join Early Access →

✦ FAQ

Questions, answered

Still deciding? These are the questions we hear most.

How does FlowVista get my data? ▾

You export a CSV from your bank or a PDF investment statement from your brokerage, then upload it into FlowVista. There is no OAuth, no open-banking API, and no third-party aggregator. Your file is parsed, categorized, and stored in your own private, encrypted account — protected by row-level security so no other account can ever read it.

Is my financial data safe? ▾

Your transactions are stored in your own private account, encrypted at rest, and protected by row-level security so only you can read them. FlowVista has no access to your bank, we never sell or share your data, and we never use it to train AI. You can permanently delete everything from Settings → Data at any time.

Which Canadian banks are supported? ▾

RBC, TD, Scotiabank, BMO, CIBC, Wealthsimple, EQ Bank, and Tangerine are supported out of the box with format-aware parsers. Any other bank that exports a CSV with date, description, and amount columns will also work — FlowVista auto-detects the layout.

Is FlowVista free? ▾

Yes. FlowVista is currently free during the Canadian early-access launch. A premium tier for unlimited periods, cloud sync, and advanced forecasting is planned for later in 2026 — early users keep free access as we grow.

Can FlowVista move money or pay bills? ▾

No. FlowVista is strictly view-only. It reads your transaction exports and shows you patterns, forecasts, and answers — it has no connection to your bank and cannot initiate any transactions.

How does the investment analysis work? ▾

Upload a PDF statement from your brokerage and FlowVista automatically extracts your holdings, account types (TFSA, RRSP, Non-Registered, etc.), and market values. It then benchmarks your portfolio against the S&P/TSX Composite and a risk-matched Canadian ETF over 10 years — showing annualized returns, volatility, Sharpe ratio, and a portfolio alignment score. You also get personalized recommendations including MER warnings, rebalancing tips, and tax-efficient placement advice.

Is FlowVista giving me financial advice? ▾

FlowVista provides financial information, education, and general recommendations — not personalized financial advice. The investment analysis is based on publicly available benchmark data and standard portfolio metrics. Think of it as the analysis your bank advisor should be giving you, presented clearly. For decisions about your specific situation, consult a licensed financial advisor. A full disclaimer is available in the app.

How accurate is the auto-categorization? ▾

Out of the box, typical Canadian transactions are categorized correctly around 90–95% of the time. You can override any category inline, save a rule (“always tag PRESTO as Transportation”), and FlowVista will apply it across your history going forward.

What happens if I close the tab? ▾

Your pay periods, bills, transactions, and goals persist in your private account. Close the tab, come back a week later, and everything is still there. Need a clean slate? Settings → Data → Clear All Data wipes everything permanently.

Who's behind FlowVista? ▾

FlowVista is an independent product built by a small Canadian team. We don't sell data, we don't run ads, and we don't have investors pushing us to monetize your financial history. If you want to reach us, the best channel is hello@flowvista.app.

See Every Dollar.
Grow Every Investment.

Cashflow clarity. Investment insight.

Up and running in three steps

Every transaction, neatly labeled

Your data, your rules.

Be one of the first.

Questions, answered

Know where your money goes — and how it grows.

See Every Dollar. Grow Every Investment.

Cashflow clarity. Investment insight.

Up and running in three steps

Every transaction, neatly labeled

Your data, your rules.

Be one of the first.

Questions, answered

Know where your money goes — and how it grows.

See Every Dollar.
Grow Every Investment.