What Indivia does
One app for your net worth, your properties, your investments and your budget. Each feature shows the first plan that includes it; every plan includes everything in the plans before it.
Net worth
Everything you own and owe in one chart, at your real share, for you, your spouse, your children or your companies.
- Net worth chart by month or year, by asset type and by ownerFree
- People and companies as owners, with dated ownership chainsFree
- Other assets and debts: vehicles, pensions, company valueFree
- CAD, USD and other currencies with Bank of Canada ratesFree
- English and French, light and darkFree
- Help and tutorials beside the app or in their own windowFree
- Setup wizard and checklist for new usersFree
- Net worth as a chart, a table or an inverted tableFree
- Export every list to Excel and PDFFree
- Demo household with 15 years of data to try the appFree
- Encrypted database and PIN lock on the deviceFree
- Export all my dataFree
- Backup to a folder you pickFree
Banking and budget
Your bank and card accounts from the files your bank already gives you, with categories, rules and a monthly budget.
- Bank, credit card and cash accounts, institutions and branchesFree
- Transactions, splits, transfers, date filtersFree
- Import CSV, OFX, QFX, QIF and TD PDF statements, and keep the documentsFree
- Banking page: what you own and owe, cards apart from mortgages and loansFree
- Car and student loans, GICs, credit card due daysFree
- Tax deadline warnings, life insurance termsFree
- Categorization rules, recurring entries, reconciliationFree
- Monthly budget against actual, spending chartsFree
Planning and reports
Goals, a debt plan, a 12-month cash-flow forecast, retirement scenarios and reports ready to print.
- Goals, debt payoff, 12-month cash-flow forecastFree
- Subscription and bill finder, retirement and what-ifFree
- Month, year and custom reports, PDF and CSVFree
Investments
TFSA, RRSP, FHSA and every other account, with Canadian adjusted cost base, contribution room and capital gains.
- TFSA, RRSP, FHSA, RESP, non-registered and corporate accounts, contribution roomFree
- Trades, dividends, DRIP, splits, options and cryptoFree
- Adjusted cost base, realized gains, superficial loss checkFree
- Broker file imports (TD, Disnat, any CSV) and starting positionsFree
- Prices you type yourselfFree
- Daily closing prices for TSX, TSX-V, NYSE, Nasdaq and ETFsInvestor
- Mutual fund prices where the feed has themInvestor
- Daily crypto pricesInvestor
- Returns (time-weighted, money-weighted), allocation and feesInvestor
- Dividend forecast and investment tax pack (T1135 warning)Investor
- Broker sync through SnapTrade, read-onlyInvestor · add-on
Real estate
Your home, cottage and rentals with Canadian mortgages, co-owners, valuations, refinancing and the gain on a sale.
- Properties, purchase and closing costs, photos and documentsFree
- Loans with Canadian semi-annual compounding, loan co-ownersFree
- Valuations, refinancing with cash out, equity over timeFree
- Purchase and sale wizards, property checklistFree
- Adjusted cost base, capital gain, principal residence by yearFree
- Simple income and expense list per propertyFree
Property management
Units, tenants and leases, expenses on the CRA T776 and Québec TP-128 lines, cash flow per property and repairs kept apart from improvements.
- Units, tenants, who lived where, unit logReal-Estate Investor
- Leases, rent roll, lease scan to PDFReal-Estate Investor
- Detailed expenses on T776 and TP-128 lines, rental tax summaryReal-Estate Investor
- Shared costs split across properties, mileage, meals, management timeReal-Estate Investor
- CCA claimed each yearReal-Estate Investor
- Cash flow per property: linked accounts, repair and vacancy allowances, 12 to 60 months aheadReal-Estate Investor
- Repairs, improvements and maintenance, kept apart for tax, with grantsReal-Estate Investor
- Recurring templates, the due list, rent-due and lease-end remindersReal-Estate Investor
- Rental ads in English and French from built-in templatesReal-Estate Investor
- Tenant screening links and landlord reference requestsReal-Estate Investor
Connected
Sync between your computers and phones, a server backup in Québec, and sharing with the people you choose.
- Sync between computers and phonesBasic Connected
- iPhone and Android appsBasic Connected
- Server backup kept 14 days, restoreBasic Connected
- Spouse or partner in the same householdBasic Connected
- Share a property with co-owners in other householdsBasic Connected
- Time-limited link for your accountantBasic Connected
- Legacy handoff to a trusted personBasic Connected
- Email reminders, sign-in alerts, passkeys and two-step sign-inBasic Connected
- Everything you enter locked on your device (end-to-end encrypted) before it reaches the serverBasic Connected
