Upload a statement
Drop in a PDF or CSV from any Canadian bank or credit union. RBC, TD, Scotia, BMO, CIBC, Tangerine, Desjardins, ATB. Encrypted in transit, encrypted at rest.
april_statement.pdf
214 KB · AES-256
Upload a statement or CSV and receive a Canadian Money X-Ray. We translate Bank of Canada signals, inflation, mortgage rates and your real spending into a plain-English forecast for the next 90 days. Built in Canada, hosted in Canada.
A PDF or CSV is all we need. Nothing leaves Canadian servers, nothing is sold, nothing is shared. Built around Canadian privacy principles.
Drop in a PDF or CSV from any Canadian bank or credit union. RBC, TD, Scotia, BMO, CIBC, Tangerine, Desjardins, ATB. Encrypted in transit, encrypted at rest.
Every transaction is classified, matched against live BoC, CRA and StatCan signals, and stress-tested against your category-level inflation exposure. No training. Your data, your report.
A plain-English report. Where your money pressure is, what the next 90 days probably look like, which tax credits you are leaving on the table, and the exact subscription leaks bleeding your budget.
A live preview of what every paid member receives every month. Real categories, real Canadian signals, real recommendations. Synthetic numbers used here.
After fixed costs, debt service and your usual variable spend, $420 remains. A 7 percent jump in groceries and transport, which the current CPI trajectory makes plausible by August, narrows that to roughly $260.
Groceries are 14 percent above last year, in line with national food CPI. Transport is 9 percent up, mostly fuel. Dining out is 23 percent up, the only category that is fully discretionary.
We found seven recurring charges. Three have not been used in sixty plus days. One was raised eight dollars without notice. Together they cost $51 per month, $612 per year.
You signed at 2.49 percent in 2021. Today's five-year fixed estimate is 4.10 percent. At renewal, your monthly payment rises by roughly $640 unless you accelerate principal.
Five eligible credits and one registered-account gap. The FHSA alone, if you qualify, is worth up to $8,000 in deductible room this year. Filing window opens February 2027.
Nine engines run on every Money X-Ray. Each one connects a public Canadian data source to the transactions you uploaded. Citable. Authoritative. Always current.
A 0 to 100 pressure score across seven dimensions, including inflation, mortgage environment, CAD strength, wage growth, housing affordability, savings rate and cost of living. Updated monthly from live BoC data.
Bank of Canada · LiveIncome minus fixed costs and debt, stress-tested against Canadian inflation. We say things like: a 7 percent rise in groceries and transport reduces your $420 buffer to $260, the threshold where households start missing payments.
Your data · StatCan CPIFixed vs variable break-even with live BoC trajectory. Renewal shock calculator. Real OSFI stress test. Sixty percent of all outstanding Canadian mortgages renew in 2025 to 2026. This was built for that.
BoC · CMHC · OSFIRecurring bills absorb a precise share of your inflow. Price-increase detection. Unused-for-sixty-days flag. We can draft the cancellation email for you and route it to your inbox.
Statement analysisCan I afford a $3,500 Cancun trip in July? NaveloQ checks your breathing room, projects your savings trajectory, and tells you what is actually achievable. Vacations, babies, home purchases, sabbaticals.
Projections · 24 monthsIRCC processing times plus StatCan settlement income plus BoC rates equal your personalised five-year financial timeline. Study permit to FHSA eligibility, first mortgage qualification, CPP accrual. Every milestone mapped.
IRCC · StatCanEvery federal bill affecting your household, in plain English. Your MP's voting record on housing, tax and affordability. Bill C-43 passed second reading, your first-time buyer GST rebate may double to $50K.
Open Parliament · LiveFood CPI plus the Canadian Nutrient File equals smarter grocery substitutions. Romaine recalled, kale has 40 percent more vitamin C at 33 percent lower cost. Plus, can this household afford an adequate diet after rent?
Nutrient File · Health CanadaFlood risk for your postal code. Wildfire index. Heat dome cost trend. Your watershed has had three floods in ten years. Standard home insurance excludes overland flooding, confirm you have the right riders.
Environment Canada · LiveMost Canadians leave $3,000 to $8,000 in tax savings unclaimed every year. NaveloQ surfaces them for individuals, families and sole proprietors. Tax intelligence, not tax advice.
Every number, every claim, every recommendation in NaveloQ is sourced from a public, citable Canadian institution. No training data, no opinions, no foreign feeds.
Not the 1 percent. Not the textbook. The mortgage renewer, the new immigrant, the side-hustler, the dual-income family quietly absorbing every rate hike since 2022.
You signed at 2 percent. You renew into a 4 to 5 percent world. Sixty percent of Canadian mortgages renew in this window. Plan the shock now, not in the discharge office.
You arrived in 2022, 2023, 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.
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.
Two earners, one mortgage, one or two kids, one set of values. RESP, spousal RRSP, CCB, daycare deduction. The savings multiply when you plan together rather than file together.
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.
Kids needing RESP. Parents needing support. Mortgage needing renewing. We map the next 24 months across all three so nothing is a surprise.
Monarch and Copilot Money were built in the US for US households. YNAB teaches a method. RBC NOMI watches your RBC account. None of them read the Bank of Canada, the CRA, or your renewal date against your household.
Free Money Weather, forever. Paid plans start at $9.99 per month, less than the cost of one missed subscription cancellation.
The first 100 paid users keep the Personal plan at $6.99 per month, billed monthly, forever. No renewal increase, no fine print. After seat 100, the price returns to $9.99 per month.
Built around Canadian privacy principles from day one. AES-256 in transit and at rest. No training. No selling. You can delete everything, instantly, from your account page.
All NaveloQ infrastructure lives in Canadian data centres operated by Canadian-owned hosts. Your statement never crosses a border.
TLS 1.3 in transit. AES-256 at rest. Keys are rotated quarterly. We cannot read your files in plaintext after upload.
Your statement is yours. We do not train models on your transactions. We do not sell to data brokers. We do not run third-party analytics on your private pages.
Join the waitlist. The first hundred members lock in $6.99 per month for life. Everyone else gets fourteen days free at launch.