Give every dollar a destination.
Plan income, spending, debt payoff, and savings in one system.
Personal wealth operating system
Your money should have a direction.
Nkapza helps you plan, invest, pay off debt, track net worth, and build wealth intentionally from one calm financial workspace.
Manual tracking includedCanada & US investment support14-day premium trial
Financial Pulse
Live PlanMoney that needs direction
Available Direction$5,001After priorities
Net Worth$247,820+8.4% this year
Portfolio Growth+14.2%Consistency is compounding
Nkapza Insight
Give every dollar a purpose before the month gets away. Unassigned income often becomes invisible spending.
Net Worth$247,820See your complete financial picture in one place.
Budget4 categories need a quick review
Debt PayoffExtra $300/month modeled
GoalsEmergency fund remains on track
Why Nkapza
Most people manage money in five different places.
Budgets in one app. Investments in another. Goals somewhere else. Nkapza brings everything together.
Track registered, retirement, brokerage, and crypto accounts.
Support for TFSA, RRSP, FHSA, RESP, IRA, 401(k), brokerage, and crypto accounts.
See cash flow, net worth, investments, and goals together.
Monitor the financial signals that matter without jumping between tools.
Know what deserves attention.
Nkapza Insights help you understand what matters without overwhelming you.
Nkapza system
One workspace for the decisions that build wealth.
Financial Pulse, investments, goals, and guidance work together so your plan stays connected.
Review these transactions so your plan reflects reality.
Your current pace may push spending beyond your plan this month.
Safe to spend after your priorities are covered: $5,001.
Net Worth$247,820+8.4% this year
See your complete financial picture in one place.
Portfolio Value$384,920TFSA, RRSP, FHSA, RESP, IRA, 401(k), brokerage
ETFs 58%
Stocks 22%
Cash 12%
Crypto 8%
Understand spending patterns. Forecast cash flow. Detect recurring expenses. Track progress toward your goals.
Guidance that helps you build wealth intentionally.Growth Projection Calculator
See how investing can compound.
Adjust contributions, inflation, taxes, and investment returns before creating an account.
Investment Calculator
See how investing can compound.
Model initial savings, recurring contributions, taxes, inflation, and real versus nominal returns.
Tax rate applies an estimated annual tax drag to returns. Current modeled return: 4.91%.
Projected value
$64,614
In 25 years, shown in real dollars with a modeled 4.91% annual return.
Amount invested$29,523
Simple earnings$20,740
Compound earnings$14,351
Growth path$35,091 modeled earnings
Monthly contributions
Initial $10,000$100 monthly5% return25% tax dragReal dollars
Projections are hypothetical and for educational purposes only. They are not financial, tax, legal, or investment advice. Actual returns may vary and are not guaranteed.
Pricing
Start free. Upgrade when you want the full household system.
Manual tracking is included. Premium adds connected accounts, AI guidance, investment tracking, and deeper planning tools.
Free
Manual Money Plan
$0For getting organized before connecting accounts or upgrading.
- Manual budgeting
- Income and expense planning
- Debt and net worth basics
- Goal tracking
Premium Household
Connected Wealth System
$9.99/monthOr $99.99/year. Includes a 14-day premium trial.
- Bank connections
- AI Coach and insights
- Investment tracker
- Couples finance
- Advanced reports
- Recurring charge detection
Pricing is shown before signup. Canadian customers are billed in CAD; United States and other countries use USD where supported.
Canada + US Support
Designed for wealth builders across Canada and the United States.
Canada
TFSARRSPFHSARESPNon-Registered AccountsUnited States
Roth IRATraditional IRA401(k)529Brokerage AccountsHSASupports✓ TFSA✓ RRSP✓ FHSA✓ RESP✓ IRA✓ 401(k)✓ 529
Track less. Build wealth.
Start directing your money intentionally. Your future wealth is shaped by today's decisions.
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