What Rivlo does on its own.

Everything here is worked out by Rivlo’s own engine. Only Smart categories ever asks an outside service, and only with your OK.

The app shown with Maya’s sample data.

Free: every feature also works from CSV statements.Connected: your banks connect through Flinks.

Sorted for you

Every transaction, in plain words.

Rivlo rewrites each line as the business, its category and its subcategory: 23 categories and 149 subcategories, so a coffee is Cafés & coffee, not just Dining.

As of your Sep 15 import

Updated today

LOBLAWS #1032 TORONTO ON−$64.12

LoblawsGroceries › Supermarkets

From our merchant list

PRESTO FARE/A1B2C3 TORONTO−$3.30

PrestoTransportation › Public transit

Your rule: Presto

HARBOUR CAFE 3349 HALIFAX NS−$8.75

Harbour CafeDining & Takeout › Cafés & coffee

Found online, coffee shop

Loblaws and Presto were sorted by the engine. Harbour Cafe was looked up by Smart categories.

Smart categories

Optional, and it asks first. Before it sends anything, Rivlo shows you exactly what’s shared (business names and a few details, never amounts, dates, your name or account numbers) and asks you to choose. Turn it off any time and Rivlo’s engine keeps sorting. Businesses it doesn’t know wait for you to sort them.

One store, three kinds of spending.

Same card, same store, three different counters.

As of your Sep 15 import

Updated today

COSTCO WHOLESALE #535−$212.48

CostcoGroceries › Warehouse clubs & superstores

COSTCO GAS #535−$61.20

Costco GasTransportation › Gas & fuel

COSTCO PHARMACY #535−$18.99

Costco PharmacyHealth & Wellness › Pharmacy

Free

Sorting starts as soon as the file is in, and runs in the background.

Connected

Sorting starts as soon as your bank’s transactions arrive, with up to a year of them when you connect.

Moving money isn’t spending it.

Paying your card from chequing shows up twice, once in each account. Rivlo pairs the two, so it’s never counted as spending, and it asks about e-Transfers it can’t place.

As of your Sep 15 import

Updated today

PAYMENT VISADebtLinked transferTD Chequing−$500.00Sep 12

PAYMENT THANK YOULinked transferCIBC Visa+$500.00Sep 13

E-TRANSFER SENTSep 14

Jordan Lee

Interac e-Transfer1 transfer$60.00 out

Paying someone backA service I paid forGift I gaveSomething else

Pairs once your CIBC Visa file is imported too.Not counted as spending.

Free

Pairing works across banks, as long as both accounts’ files are in.

Connected

Every account at your bank can come in together, so both sides of a transfer are already there.

Bills that find themselves.

When a payment repeats on a rhythm (weekly, every two weeks, monthly, quarterly or yearly), Rivlo turns it into a bill and starts watching for the next one. Your pay is found the same way.

As of your Sep 15 import

Updated today

NetflixExpected Sep 16 — import to confirmPaid

$16.49

Found from 3 payments, on a monthly rhythm. The next one is expected Sep 16.Found from 12 months of history. The next one is expected Oct 16.

In your plan

Upcoming payments

~$348

1 missed2 due this week1 to confirm

Upcoming payments

~$348

1 missed2 due this week

Bills, $2,143 planned, $1,679 paid

RentPaid

Bell InternetMissed Sep 3

RogersPaid

SpotifyPaid

NetflixExpected Sep 16 — import to confirm

Maple Yoga Studio$42 paid

Intact InsuranceDue in 3 days

Toronto HydroDue in 5 days

Bills: 1 missed4 paid1 to confirm

Bills, $2,143 planned, $1,695 paid

RentPaid

Bell InternetMissed Sep 3

RogersPaid

SpotifyPaid

NetflixPaid

Maple Yoga Studio$42 paid

Intact InsuranceDue in 3 days

Toronto HydroDue in 5 days

Bills: 1 missed5 paid

A bill that stops can be ended in one tap: “This bill ended”.

Free

A bill is found once it has shown up three times (about three months of statements for a monthly bill). Until your next import, a bill that’s due waits as “Expected — import to confirm”.

Connected

Up to a year of history when you connect, depending on your bank, so your bills can be found right away. Update with one tap and paid bills show as paid. Your bank may ask for its usual verification code.

Your pay, recognized.

Rivlo tells your paycheque apart from everything else that comes in (refunds, cashback, money a friend sends back), and plans the month from what you actually earn.

As of your Sep 15 import

Updated today

PAYROLL DEP ACME CORPIncome › Paycheque+$2,500.00

CASHBACK REWARDIncome › Cashback & rewards+$12.40

E-TRANSFER RECEIVEDNot sorted yet+$60.00

PAYROLL DEP ACME CORPIncome › Paycheque+$2,500.00

Expected income$5,000

Expected incomeauto from your pay historyPaychequemedian of last 3 months

$5,000 received of $5,000 expected

Free

Expected income comes from your recent paycheques. Until there’s enough pay history, Rivlo uses a 3-month average. You can always set it yourself.

Connected

Your pay history comes in when you connect, so expected income can be ready right away.

See where it goes

Know your month before it ends.

Rivlo compares this month with a typical one, projects where it’s heading, and flags what’s unusual: a category spiking, a merchant you’ve never paid before.

As of your Sep 15 import

Updated today

Spent so farSEP 1–17

$2,714$2,730on paceon pace

typical by the 17th: $2,690projected: $3,980

typical by the 17th: $2,690projected: $4,004

Groceries$392

Dining & Takeout$186

Shopping$118

Dining & Takeout ↑ 26%New: Harbour Cafe

See the spike in dining & takeout this month

Dining & Takeout is up 26% on a typical month.

Free

Pace needs a baseline: a few months of statements give Rivlo a typical month to compare with.

Connected

With up to a year of history, depending on your bank, a typical month can exist from the first day. Your pace is as current as your last update.

Know what changed.

Rivlo watches for a price that jumps, a new recurring charge, a charge that’s out of the ordinary, and what a card balance is costing you. They show up as insights on Home and in one Insights screen.

As of your Sep 15 import

Updated today

Insights

AllThis weekAction recommended

Maple Yoga Studio jumped 33% this cycle$24.00 vs usual $18.00View transaction →

New recurring charge spotted: SpotifyAbout $11.99 per cycleConfirm →

Unusual Groceries charge — was this expected?$212.48 vs typical $55.17View transaction →

Carrying this balance is costing you interest~$393.00 estimated interest paid this quarterReview payoff plan →

Rivlo found a fifth for Maya, about how much of her card’s limit she is using. She removed it with the ×, so All shows four.

Free

Insights are checked after each import, so a new one can appear as soon as a file is in.

Connected

Worked out from transactions as current as your last update.

Money check-up.

How your money’s doing across six parts, and the one thing to do next.

Money check-up

SpendingGood

DebtOkay

Starter cushionGood

Emergency fundNeeds work

SavingNeeds work

StabilityOkay

SavingNo transfers to savings detected in the last 3 months.

Set aside $500 a month — about 10% of your income

Try a rough version without an account →

Spending by category and by merchant.

For any month, filtered by account.

See your net worth.

Home adds up what you have and what you owe, from your accounts’ balances.

Plan your month

Your plan builds itself, with no forms.

Rivlo drafts your plan from your transactions, so there are no forms to fill in. Change any part of it, and see exactly what you changed.

Confirm each month.

Every line is an estimate from your own history. Confirm it as-is, or tap any line to change it.

Based on your history

Here's your plan for October. Every line is an estimate from your statements — tap any line to change it, or confirm as-is.

Looks goodI'll look first

Save for something.

Add a goal, and your plan sets aside what it needs each month, with the date it’s funded.

Undo anything.

Every change is listed in one place, and each one resets to automatic in a tap.

Your changes

What you've set differently from the automatic plan.

Everyday

GroceriesYours: $650/moAuto: $612/moReset

Dining & TakeoutYours: $260/moAuto: $225/moReset

Debt & Savings

CIBC VisaYours: $550/moAuto: $1,007/moReset

Emergency fundYours: $180/moAuto: $0/moReset

Vacation fundYours: $120/moAuto: $0/moReset

Pay down debt, build a cushion

Pay debt your way.

Avalanche saves the most interest. Snowball clears the smallest balance first. See both with your own numbers, and a debt-free date.

Debt payoff strategy

AvalancheSnowball

Avalanchedebt-free ~May 2028~$1,457 interest

Snowballdebt-free ~Jul 2028~$2,080 interest

Avalanche saves ~$623 and ~2 months at your current numbers.

Build a safety net.

A starter cushion comes first, then an emergency fund. Pick Lean, Standard or Fortress.

Safety targets

Lean1 mo + 2 mo

Standard1 mo + 3 mo

Fortress2 mo + 6 mo

Fine-tune cushion & emergency fund

Pay down, or invest?

Compare paying down a card with investing the same amount, at assumptions you set.

Pay down CIBC Visa, or invest?

Amount to compare$157.00

Assumed return

Paying down CIBC Visa first leaves you $102 ahead by May 2028 at your assumptions.

This is a comparison, not a recommendation — investment returns aren't guaranteed.

Fix it your way

Only the unsure ones reach you.

Anything Rivlo can’t tell waits for a quick look. Good guesses confirm in one tap.

Search and filter every transaction.

Filter by account, category, type, amount, date and more, then sort by date or amount.

Split a transaction.

Itemize one purchase into several categories without duplicating it.

Customize Home.

Reorder, hide or collapse Home’s cards.

Undo an import.

Every CSV you’ve imported is listed, and you can undo one if it went wrong.