Flow management plans for every stage
Choose a service tier aligned with your cash flow complexity. All plans include AI categorisation, flow dashboards, and PIPEDA-compliant data handling — none include investment advice.
AIFinanceFlow offers four service tiers designed for Canadian households, freelancers, and small businesses who need AI-assisted financial organisation — not portfolio management or trading tools. Prices are indicative ranges in Canadian dollars and may vary based on account volume and onboarding requirements. All plans require explicit CASL consent for email communications.
Personal Flow
Ideal for individuals managing a single household budget with up to two linked accounts.
- AI cash flow dashboard
- Smart expense categorisation
- Recurring bill flow calendar
- Monthly budget flow plan
- One savings stream goal
- Email support (business hours CT)
Not included: investment advice, tax filing, trading tools, guaranteed savings outcomes.
Inquire about Personal FlowFamily Flow
For households with shared finances, multiple account streams, and collaborative budget planning.
- Everything in Personal Flow
- Up to five linked accounts
- Shared household flow dashboard
- Multiple savings stream goals
- Payment flow reminders for two users
- Quarterly flow snapshot exports
Not included: joint investment management, estate planning, credit repair services.
Inquire about Family FlowFreelancer Flow
Built for self-employed Canadians who need to separate business and personal cash streams.
- Business/personal stream separation
- Irregular inflow mapping
- Expense categorisation for home office
- GST/HST expense grouping (review only)
- Monthly flow reports for bookkeeping
- Priority email support
Not included: tax return preparation, CRA filing, invoicing software.
Inquire about Freelancer FlowSmall Business Flow
For micro-businesses and sole proprietors needing AI-assisted bookkeeping categorisation support.
- Small-business flow view
- Up to ten linked accounts
- Revenue and overhead stream mapping
- AI categorisation rules engine
- CSV/PDF export for accountant
- Onboarding session (one hour)
Not included: payroll processing, audited statements, securities compliance reporting.
Inquire about Small Business FlowWhat's included in every plan
Regardless of tier, every AIFinanceFlow subscriber receives access to our core AI financial management platform with PIPEDA-compliant data processing, encrypted account connections, and transparent AI categorisation with human review workflows. We provide onboarding documentation, help centre access, and Manitoba Consumer Protection Act–aligned cancellation policies. Monthly billing is processed in CAD with GST/HST applied where applicable (BN 823456789 RT0001).
Our onboarding team — based at 360 Main Street in Winnipeg — walks new clients through account linking, category stream setup, and first budget flow plan creation. We do not cold-call, send unsolicited investment pitches, or share your data with third-party marketers.
What we deliberately exclude
AIFinanceFlow is not a registered investment dealer, portfolio manager, or financial planner under Canadian securities law. Our service tiers explicitly exclude: investment recommendations, stock or crypto trading signals, forex or CFD tools, guaranteed savings or ROI claims, tax return filing (unless separately contracted with a qualified professional), credit repair or debt settlement guarantees, and MLM or referral commission structures. If you need investment advice, consult a professional registered with CIRO or your provincial regulator.
AI disclaimer: Our services help organise and understand personal or small-business finances using AI-assisted tools. We are not a registered investment dealer, portfolio manager, or financial planner. We do not provide investment advice, trading signals, or guarantees of savings, returns, or financial outcomes. AI-generated categorisations and insights may contain errors — review before acting.