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.

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Manual tracking includedCanada & US investment support14-day premium trial
Financial Pulse

Money that needs direction

Live Plan
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.

Budget With Purpose

Give every dollar a destination.

Plan income, spending, debt payoff, and savings in one system.

Build Wealth Intentionally

Track registered, retirement, brokerage, and crypto accounts.

Support for TFSA, RRSP, FHSA, RESP, IRA, 401(k), brokerage, and crypto accounts.

Understand Your Financial Picture

See cash flow, net worth, investments, and goals together.

Monitor the financial signals that matter without jumping between tools.

Intelligent Guidance

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%
Nkapza Intelligence

Understand spending patterns. Forecast cash flow. Detect recurring expenses. Track progress toward your goals.

Guidance that helps you build wealth intentionally.
You still have $7,800 waiting for direction. Unassigned income often becomes invisible spending.
Food spending is moving faster than planned. A quick review now can protect the rest of your plan.
Most of your portfolio growth this month came from ETFs. Consistency matters more than perfection.
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%.

Show returns inReal dollars adjust for inflation. Nominal dollars show the projected future amount before inflation adjustment.
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

1
5
10
15
20
25
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.

Canada + US Support

Designed for wealth builders across Canada and the United States.

Canada

TFSARRSPFHSARESPNon-Registered Accounts

United States

Roth IRATraditional IRA401(k)529Brokerage AccountsHSA
Supports✓ TFSA✓ RRSP✓ FHSA✓ RESP✓ IRA✓ 401(k)✓ 529
Nkapza philosophy

Track less. Build wealth.

Start directing your money intentionally. Your future wealth is shaped by today's decisions.

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