Every account. One calm plan.
Rivlo builds your monthly budget: bills, spending, debt and savings. Connect your Canadian and US banks through Flinks on the paid plan, or import statements free.
Free to join, just your email. Founding members hear about pricing first.
Never sees your bank password, Stored in Canada, Never sold. How Rivlo protects your data
The plan
Every dollar has somewhere to go.
Your plan builds itself from every account you connect: bills from payments that repeat, everyday spending from your typical month, income from your pay. Money flows in plan order, bills first, and the plan shows what’s left over and where it could go.
$157 left over. Here’s where Rivlo would suggest it could go.
- Bills: $2,143
- Everyday: $1,800
- Debt & Savings: $900
- Left over: $157
In the app you can tap any row to look closer. Nothing changes until you choose.
Sample plan for Maya, a made-up person. Yours is built from your own transactions.
How it works
Connect your accounts. Rivlo does the rest.
Here’s what happens between your bank’s transactions and the plan you see. Sorting runs in the background, so you can close the app.
Connect or import.
Sign in to each bank through Flinks, and its accounts show up with their balances. You get up to a year of history when you connect, depending on your bank. Or import statements free: download a CSV from online banking and drop it in.
Statements: BMO, CIBC, TD, RBC, Scotiabank and Wealthsimple TFSA (verified); Tangerine, Simplii, EQ Bank and American Express (from their documented formats).
4 accounts
Cleaned up.
Transfers between your own accounts are paired, so nothing counts twice.
Linked transfer
Sorted.
Rivlo’s engine sorts first: your choices and rules, its list of Canadian merchants, and your bank’s codes. Smart categories, optional and only with your OK, handles the businesses it doesn’t know. 23 categories, 149 subcategories.
Sorting 12 more merchants…
Only the unsure ones reach you.
Anything Rivlo can’t tell waits for a quick look. Good guesses confirm in one tap.
3 to review, About 1 min
Planned and checked.
Rivlo’s engine finds bills from payments that repeat, builds your plan, and shows one next step.
Here's your plan for October. Every line is an estimate from your statements — tap any line to change it, or confirm as-is.
Features
What Rivlo does.
- Every transaction, in plain words
- Smart categories: optional, and it asks first
- Bills that find themselves
- Know your month before it ends
- Your plan builds itself, with no forms
- Pay debt your way: Avalanche or Snowball
Every transaction, in plain words.
From our merchant list
Your rule: Presto
Found online, coffee shop
Privacy
Private by design.
- Worked out in-house.
- Your plan, bills, pay and check-up are worked out by Rivlo’s own engine.
- Smart categories asks first.
- Optional: business names, never amounts, dates or account numbers.
- Stored in Canada. Never sold.
- Your data lives in a Canadian region, and Rivlo never sells it or uses it for advertising.
Pricing
What each way costs.
Nothing is charged today. Founding members hear about pricing first.
Connected
The paid plan, Price announced before launch.
- Everything in Free
- Your banks, connected through Flinks
- Canadian and US banks
- Every account at each bank you connect, with its balance
- Up to a year of history, depending on your bank
- Update with one tap (your bank may ask for its usual verification code)
Free
Import your statements
- The full app: Home, Spending, Plan, Money check-up
- CSV import from Canadian banks
- Smart categories, optional
- Export your data or delete your account, any time
If pricing ever changes, founding members hear first and keep the best terms we offer.
Questions
Questions, answered.
Do I have to connect my bank?
No, but it’s the easiest way in.
Every account at each bank you connect can come in with its balance. Bank connection through Flinks is the paid plan. Price announced before launch. Importing your statements instead is free.
What does Connected add, what will it cost, and how does Rivlo make money?
Your banks connect through Flinks, with every account and its balance.
You get up to a year of history when you connect, depending on your bank. You update with one tap. Your bank may ask for its usual verification code. Some banks ask you to sign in again from time to time. Statements always work as a backup. The price will be announced before launch, and founding members hear first. Rivlo makes its money from Connected, the paid plan. It never sells your data or uses it for advertising, so subscriptions are the whole business. Everything that works from your statements stays free.
Does Rivlo use AI?
Only in Smart categories, which is optional and asks before it sends anything. No AI decides your plan, bills, check-up or suggestions.
Rivlo’s own engine sorts every transaction first: your choices and rules, its list of Canadian merchants, and your bank’s codes. Only businesses it doesn’t recognize go to Smart categories, which uses AI from OpenAI to sort the name and, if needed, a Google web lookup. Smart categories is optional and asks before it sends anything. Your plan, bills, check-up and suggestions are always worked out by Rivlo’s engine. No AI decides them. The engine is Rivlo’s own software: it sorts the transactions it recognizes, finds recurring bills and pay, pairs transfers between your accounts, tracks your pace, and builds your plan, check-up and suggestions. It doesn’t send your numbers to an AI service. Smart categories sends the business name from your statement, the account type, whether money came in or went out, and for a web lookup, the city when it’s a known place name. Never amounts or balances, dates, your name or email, account numbers, full statement descriptions, or names of people in your e-Transfers. Both services may process this outside Canada. Turn Smart categories off any time in Settings. Rivlo’s engine keeps sorting, and new businesses wait for you.
Where is my data, and who can see it?
In a Canadian region, encrypted in transit and at rest by our hosting provider.
Each account can only read its own data. A few things are processed outside Canada: the business names Smart categories sends (OpenAI and Google), the emails we send you (Resend), and our website and its visit counts (Cloudflare). Flinks keeps Canadian users’ connection data in Canadian data centres. It keeps US users’ in US data centres, outside Canada. Rivlo never sells your data or uses it for advertising.
When can I get in, and on what?
Invitations go out in small groups.
Join the list and we’ll email you when your spot opens. Early access starts on your phone. A web version is planned.
