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What's your money quietly costing you?
Your bank won't tell you when your cash is earning nothing, your card is bleeding interest, or you're paying for subscriptions you forgot. Monvo will. Drop in a few numbers, no account, no bank connection.
Estimates only, using conservative Canadian assumptions (3.5% savings rate, ~20% card APR, and a cash buffer of one month's spending or $3,000, whichever is larger). We only count interest you're genuinely losing, never money you'd spend anyway. Nothing is stored unless you ask for the breakdown.
How this works
Monvo checks three things and shows the math on each, using your numbers, no guesses. Enter yours on the left and every figure below will show exactly where it came from.
Idle cash → savings
Cash above a one-month buffer (min $3,000) earning ~0% could sit in a 3.5% savings account. We show the interest you're missing.
Credit-card interest
Only counts if you carry a balance: what you owe × ~20% APR = what a year of interest costs you. Pay in full? We count nothing.
Subscriptions
Your monthly total × 12 = yearly spend. We show it for context but never as "savings." A calculator can't know which ones you've forgotten.
The headline only ever sums interest you're genuinely losing, never money you'd spend anyway.
Your privacy, plainly
Full policy- Your bank login is handled by Plaid. Monvo never sees or stores your banking password.
- Read-only, encrypted, and isolated to your account. No other user can see your data.
- We never sell your data or share it with advertisers.
- Disconnect or delete everything anytime. It's your data.
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