Too many places to check
Balances, cards, loans, and investments are scattered across banks and apps.
Built for Canada's open banking future
Your financial life, finally in one place.
See every account, card, and bill in one calm app. Try the full experience in demo mode — no bank connection required.
CSV uploadNo bank login required
Demo modeTry before you connect
Built for CanadaCA banks & cards
9:41
Cards & debt
Total balance
$3,420
Across 3 cards • 38% utilization
Visa Infinite71%
$2,140
Amex Cobalt28%
$840
MC World Elite14%
$440
Avalanche plan
Debt free in 9 months at current pace.
9:41
Home
Net worth
$91,560
+$1,240 this month
Health
82
Cash flow this month
+$1,860
Cash flow
You have $1,860 free this month after bills.
Card payoff
Pay Visa Infinite first to save $42 in interest.
Upcoming bills
Visa Infinite$420
Car loan$318
No bank connection required
Try the full app in demo mode with sample data.
Built for Canada
Designed around Canadian banks, cards, and CRA timelines.
You control what you import
Upload CSVs from your bank. Edit, hide, or delete anything.
Encrypted and private
Your data is encrypted in transit and at rest. Delete anytime.
Demo mode
Explore the app before connecting anything.
Demo mode uses sample data. No bank connection required — tap through the screens below to see how Rivlo fits together.
9:41
Home
Net worth
$91,560
+$1,240 this month
Health
82
Cash flow
+$1,860 this month
Top insight
You have $1,860 free after bills this month.
9:41
Cards & debt
Total balance
$3,420
Avalanche: debt free in 9 months
Visa Infinite
$2,140
Amex Cobalt
$840
MC World Elite
$440
Pay this first
Visa Infinite — saves you $42 in interest this month.
9:41
Spending
May spending
$1,158
−12% vs Apr
Groceries$612
Dining$284
Transport$168
Subscriptions$94
Heads up
Dining is trending higher than last month.
Join waitlist for early access
Sample data only. No account needed to look around.
The problem
Money is harder to manage when the picture is split apart.
Modern financial life isn’t one account at one bank. The useful decisions happen across the whole picture.
No single source of truth
Due dates, transactions, and goals never live in one view you can trust.
Debt decisions lack context
Which card to pay first? You can’t tell without seeing the full picture.
Other tools miss Canada
Existing apps feel manual, US-centric, or built for budgeting only.
Early access
Want early access when the beta opens?
One email when Rivlo is ready for you. No marketing lists.
The product loop
The same six steps, every month, in one calm app.
Rivlo turns scattered statements into a clear monthly rhythm: import, review, understand, act, repeat.
1
Import your statements
2
Review what we categorized
3
Mark transfers and recurring bills
4
See your full dashboard
5
Get insights and next steps
6
Track progress over time
Features
The visibility to understand, plan, and act with confidence.
All your accounts, connected
Balances, transactions, credit cards, loans, and investments across institutions — in one clean dashboard.
See which card to pay first
Rivlo ranks your cards by interest, utilization, and balance so the right one always gets priority.
Know what’s coming before payday
Upcoming bills, paycheques, and low-balance risks projected forward — no spreadsheets, no surprises.
A clear score, with reasons
Your financial health score breaks down into the signals behind it — not a mystery number.
Goal tracking
Savings, emergency fund, debt payoff, and investment goals tracked automatically against real cash flow.
Built for Canadian open banking
Designed for the framework Canada is rolling out — secure, consent-based, and ready when it lands.
How it works
Import → Clean → Understand → Act.
A simple loop you run each month. Less spreadsheet wrestling, more clarity.
01
Import your statements
Upload CSVs from any Canadian bank or card. Open banking connections drop in when they’re ready.
02
Clean and categorize
Auto-categorized transactions, transfer detection, and recurring bill grouping — quick to review, easy to edit.
03
Understand the full picture
Net worth, cash flow, card utilization, upcoming bills, and goal progress in a single calm dashboard.
04
Act on what matters
Get the next best move: which card to pay first, what’s coming this week, and where your money is leaking.
Free preview
See your financial health score in 30 seconds.
Five quick numbers, no signup. Rivlo turns them into a directional 0–100 score so you know where you stand — then the app gives you the full, personalized picture.
This is a directional snapshot, not financial advice.
Early access
Be first to try the future of personal finance in Canada.
Early members get free access during beta and help shape the product before launch.
- Free during the entire beta period
- Direct line to the team on what to build next
- Founding-member pricing when Rivlo launches
Rivlo is currently in early product development. Waitlist responses help prioritize the first version.
FAQ
A few clear answers before launch.
The first release focuses on connected visibility, planning, and trustworthy financial insight.
Do I need to connect my bank?+
No. Rivlo works with CSV uploads from your existing bank or card statements, and demo mode lets you explore the whole app with sample data — no connection required. Bank connections will arrive when Canada’s open banking framework launches.
What data do you store?+
Just what you import: the transactions and balances from your statements, plus the categories, goals, and notes you create. Data is encrypted in transit and at rest, stored in Canadian-region infrastructure. We don’t sell data and we don’t share it with advertisers.
Can I delete my data?+
Yes, in one tap. Settings → Delete account wipes your transactions, accounts, and profile from our database. Nothing is retained beyond what’s legally required.
Is this financial advice?+
No. Rivlo is a tool for visibility and planning — it helps you see your numbers clearly and surfaces patterns. It does not replace a financial advisor or accountant.
Is open banking available in Canada now?+
Canada’s open banking framework is rolling out. When secure account connections become available, Rivlo will support them with explicit, consent-based access — and the CSV upload path stays in place for everything else.
Is this a bank?+
No. Rivlo is a personal finance app that helps you view, understand, and plan across your existing financial accounts. We don’t hold money or issue accounts.
Will this work with Canadian banks?+
Yes — that’s the whole point. CSV upload supports any Canadian bank or card today. Direct connections will follow as open banking lands.
Can I pay credit cards through the app?+
Payment features are part of the long-term vision. The first version focuses on connected visibility, insights, and planning — telling you what to pay and when.
When is the app launching?+
Rivlo is in early development. Joining the waitlist is the best way to receive launch updates and early access invitations — and to lock in founding-member pricing.