Upload
Add a supported Canadian PDF or CSV statement without sharing bank credentials.
Canada's financial intelligence platform
Your bank recordswhat happened.NaveloQ explainswhat it means.
Upload a Canadian bank statement. Get a personal Money X-Ray that explains, in plain English, the real pressure on your household and what is actually driving it.
Founding rate : 2 of 100 seats at $6.99/mo claimed
Free Money Weather, foreverNo bank passwordHosted in Canada
“Not undisciplined. Structurally squeezed.”
That's the difference between a budgeting app and NaveloQ.
Bank view versus NaveloQ
Your statement shows movement. NaveloQ explains meaning.
What the statement shows
Netflix$19
Spotify$10
Debt payments$930
Fixed obligations$2,011
e-Transfers$1,781
Total: numbers.
NaveloQ
Small subscriptions recover less than 5% of the visible shortfall.
The real pressure is fixed obligations, debt, and unclear transfers.
This report remains preliminary until the e-Transfers are classified.
Total: an explanation.
Inside the report
A working Money X-Ray. Click any tab.
Synthetic data. Real experience.
Your household has $420 of monthly breathing room.
After fixed costs, debt service and your usual variable spend, $420 remains. A 7 percent jump in groceries and transport narrows that to roughly $260.
Action: Hold the discretionary travel decision until June. Re-evaluate when next BoC data prints.
Cash-flow snapshotApril · 2026
INFLOW
$6,820
net of tax
OUTFLOW
$6,400
all categories
BUFFER
$420
+6.2%
Pressure dimensionsscored 0 to 100
How it works
From statement to a trustworthy Money X-Ray
NaveloQ delivers value before asking for unnecessary homework.
Verify
NaveloQ extracts and reconciles the statement before interpretation.
Review
Classify only the material unclear transactions that could change the diagnosis.
Understand
Receive a final or clearly limited Money X-Ray with evidence and source context.
Who NaveloQ is for
Built for the real Canadian household.
The mortgage renewer, the newcomer, the side-hustler, the dual-income family quietly absorbing every rate hike since 2022.
Renewing soon
The 2025–26 mortgage renewer
You signed at 2 percent. You renew into a 4–5 percent world. Sixty percent of Canadian mortgages renew in this window. Plan the shock now, not in the discharge office.
"How much do I prepay each month to keep my renewal payment flat?"
Newcomer
The recent immigrant
You arrived in 2022, 2023, or 2024. Your TFSA, RRSP and FHSA rooms all started on landing day. The Home Buyers' Plan and the FHSA together are worth $43,000 of tax-advantaged room. Most newcomers miss it.
"What is my actual TFSA room from my landing year forward?"
Self-employed
The freelancer or contractor
You invoice in CAD or USD. You forget GST/HST until you hit $30K. You don't separate the business card. NaveloQ does it for you, including quarterly installments.
"Am I close to the GST threshold? What do I owe CRA quarterly?"
Family
The dual-income household
Two earners, one mortgage, one or two kids. RESP, spousal RRSP, CCB, daycare deduction. The savings multiply when you plan together rather than file together.
"What is the optimal contribution split between us this year?"
Pre-retiree
The 55-plus planner
CPP at 60, 65, or 70? OAS clawback or not? Pension income splitting saves real money. We model the breakeven, year by year, in your context.
"At what age do I take CPP if my spouse is younger?"
Sandwich generation
The 40s squeezed in the middle
Kids needing RESP. Parents needing support. Mortgage needing renewing. We map the next 24 months across all three so nothing is a surprise.
"Can I support my mother and still finish RESP for both kids?"
Founding 100
Lock in $6.99 per month for life.
The first 100 paid users keep the Personal plan at $6.99 per month, forever. No renewal increase, no fine print. After seat 100, the price returns to $9.99 per month.
2 of 100 seats taken · 98 remaining
Claim a founding seat →Pricing
One platform. Four ways to use it.
Free Money Weather, forever. Paid plans start at $9.99 per month.
Pulse
Live Canadian economic signals. No upload, no login.
$0
Forever free
- Canadian Money Weather, live
- BoC rate, CPI and FX dashboard
- Policy-to-wallet headline tracker
- Personal Money X-Ray
- Tax intelligence engine
Most chosen
Personal
Your statement, translated. Most popular for renewers.
CA$9.99/month
Billed month to month
- Everything in Pulse
- Monthly Money X-Ray reports
- Breathing room and 90-day forecast
- Subscription leak detector
- Newcomer 5-year roadmap (coming soon)
- Mortgage renewal calculator (coming soon)
- Rent pressure tracker (coming soon)
- Individual tax engine (coming soon)
Family
Two earners, one plan. RESP, CCB, spousal RRSP.
CA$16.99/month
Billed month to month
- Everything in Personal
- Household stress test
- Spousal optimisation engine
- Up to four members
- RESP and CCB planning (coming soon)
Sole Pro
For contractors, consultants, freelancers.
CA$19.99/month
Billed month to month
- Everything in Personal
- GST/HST threshold tracker
- Home office and T2200 detector
- Quarterly installment calculator
- Business expense classifier
- Year-end summary for accountant
All prices in Canadian dollars. HST/GST not included. Cancel anytime. The first 100 paid members lock in the Personal plan at $6.99 per month for life.
Product truth
What exists now, what is coming next
Ambition matters. Product truth matters more.
Early access
Verified statement intake
Upload supported Canadian PDF or CSV statements without sharing bank credentials.
Early access
Reconciliation before interpretation
NaveloQ checks extracted totals against statement arithmetic before producing a diagnosis.
Early access
Household pressure diagnosis
See visible breathing room, structural cost pressure, debt exposure, and what is not the problem.
Early access
Material transaction review
When unclear transfers could change the result, the report pauses certainty and asks only the questions that matter.
In development
Household intelligence
Combine consented accounts and members without double-counting internal household transfers.
Planned
Mortgage readiness
Scenario-based payment sensitivity and renewal preparation using explicit assumptions.
Future
NaveloQ Solo
Irregular-income visibility and business-personal separation for sole proprietors.
Future
NaveloQ Business
A future financial intelligence layer for bookkeeping, receipts, invoicing, and accountant-ready evidence.
Live Canadian data sources
Built on the same data Canada's central bank uses.
Every number comes from a public, citable Canadian institution.
BoC
Bank of Canada
Policy rate, prime, yields, FX, inflation outlook
StatCan
Statistics Canada
CPI, wages, employment, household spending
CRA
Canada Revenue Agency
Tax brackets, credits, registered-account limits
CMHC
CMHC
Housing affordability, mortgage statistics, rental data
OSFI
OSFI
Stress test rate, prudential mortgage rules
IRCC
IRCC
Immigration processing, settlement timelines
OPN
Open Parliament
Federal bills, MP voting records, committee reports
ECCC
Environment Canada
Flood maps, wildfire risk, climate disclosure
Trust
Trust is a product surface, not a footer link.
No credential sharing
NaveloQ does not require your bank username or password.
Visible uncertainty
Preliminary, limited, and final report states are explicit.
Controlled data lifecycle
Raw files follow a documented temporary-retention and deletion process.
Plain answers
Before you trust us with a statement
Is NaveloQ a budgeting app?
No. Budgeting apps track categories. NaveloQ diagnoses pressure: it verifies your statement against its own arithmetic, then explains what is squeezing the month, what is not the problem, and what the data cannot prove yet.
Do I have to connect my bank account?
No. NaveloQ reads statements you choose to upload. It never asks for your bank username, password, or screen-scraping access.
What does a preliminary report mean?
It means NaveloQ found unclear transactions large enough to change the diagnosis, so it pauses certainty instead of guessing. You classify only the items that matter, and the report becomes final.
What happens to my uploaded file?
Raw statements are kept only as long as extraction and verification require, then deleted under a documented retention process. The trust centre describes the full lifecycle.
Which Canadian banks are supported?
NaveloQ currently supports PDF and CSV statements from CIBC, RBC, TD, Scotiabank, BMO, EQ Bank, Wealthsimple, and Rogers Bank. More institutions are added with each release.
Is my data shared with anyone?
No. NaveloQ does not sell, share, or transmit your financial data to third parties. Your statement is processed to produce your report and then deleted. It is never used for advertising or profiling.
How long does the analysis take?
Most statements are reconciled and diagnosed in under two minutes. If unclear transactions require your input, the preliminary report is ready immediately and updates to final once you classify them.
🔒 No bank login. No password. Your PDF stays in Canada.
Join the early-access list
See the product before we ask you to trust it. We will only email about NaveloQ access and major product updates.