Uncompromising Mac Engineering

Built for Serious Corporate Accounting

Replace web SaaS dashboards with an authentic Swift 6 macOS suite. Explore real tax schedules, charts, and workflows.

Canadian CRA Compliance

Automated GIFI 125 & T2 Return Estimates

Monvelio aggregates every transaction split into official Canada Revenue Agency General Index of Financial Information (GIFI) codes. Calculate Canadian Controlled Private Corporation (CCPC) Small Business Deduction (12.2% combined federal/provincial rate) and export audit-ready packages in one click.

GIFI 125 Income Statement showing Line 8000, Line 8320, Line 8810, and T2 tax estimate

✓
Line 8000 to Line 9999: Real-time GIFI schedule mapping with automatic split allocation.
✓
Schedule 8 CCA Engine: Class 8 (20%), Class 10 (30%), and Class 50 (55% hardware with 100% Accelerated Investment Incentive write-off).
✓
1-Click Export: Generate formatted PDF packages for your CPA with full supporting schedules.

Visual Intelligence

Native Swift Charts & Sector Weights

Interactive sector breakdowns powered by Apple’s native Swift Charts framework with real-time hover inspection and currency precision.

Category Distribution Donut chart showing active expense sectors and rent percentage

✓
Donut & Pie Views: Sector weight by expense or income stream.
✓
Top Spend Analytics: Instant identification of major cost drivers.

Advanced Planning

13-Week Liquidity & What-If Simulator

Simulate 30, 60, and 90-day cash trajectories based on recurring obligations, pending invoices, and historical burn. Test capital investments with the real-time slider.

Cashflow liquidity forecast with What-If scenario slider and break-even line

✓
Break-Even Warning Line: Visual alerts if liquid balances breach $0.00.
✓
CapEx Variance Slider: Model equipment purchases without altering books.

Sales Tax Engine

Canadian GST / HST Return (Form GST34)

Eliminate spreadsheet errors. Monvelio isolates sales tax splits on every invoice and receipt, calculating your exact Line 109 net refund or remittance.

GST/HST Form GST34 Net Return showing Line 101, Line 105, Line 108, and Line 109

✓
Line 101 Gross Sales: Extracted from paid receivables and merchant payouts.
✓
Line 108 Input Tax Credits: Auto-verified ITCs from expense receipts.

Bank Operations

Reconcile-to-Zero Statement Feeds

Import ISO 20022 CAMT.053 XML, OFX, QFX, or QBO statements from any Canadian financial institution. Fuzzy auto-matching pairs transactions to eliminate variances.

Bank Reconciliation screen showing Target Balance, Cleared Deposits, and Reconcile-to-Zero

Revenue Operations

Invoicing, A/R Aging & SMTP Dispatch

Track customer invoicing with automatic 13% ON HST calculations, A/R aging buckets, direct PDF generation, and one-click TLS/SSL SMTP outbound emailing.

Invoices and Accounts Receivable screen showing customer status and PDF export

Complete Feature Catalog

All 35 Native Application Tabs

Every tool you need to run your corporation, architected into five dedicated groups.

⊞

Executive Dashboard

Consolidated KPI cards, sparklines, and period comparison slider.

☰

Transactions Ledger

Multi-column sorting, reconciliation status, and hashtag filters.

📊

Statistics

Money in vs money out per week with average burn rates.

◔

Pie & Donut Chart

Interactive sector distributions and top expense drivers.

🎯

Financial Goals

Milestone tracking for corporate reserves and capital targets.

🍰

Budgets

Departmental spending thresholds with overflow warnings.

⇄

Comparisons

Month-over-month and year-over-year operational delta.

📄

Financial Reports

Income statements, balance sheets, and Excel (.xlsx) export.

☑

Smart Lists

Custom filtered queries saved as persistent views.

📈

Net Worth Trend

Multi-asset valuation curves across holding companies.

📅

Operations Calendar

Upcoming bill due dates, invoice expiries, and CRA deadlines.

📁

Receipts & Files

PDF and image repository linked directly to ledger entries.

🗂

Corporate Documents

Articles of incorporation, shareholder minutes, and filings.

🧾

Invoices (A/R)

Sales billing with automated HST/GST and client PDF export.

📋

Bills (A/P)

Vendor payment scheduling, aging reports, and partial settlements.

🏛

Bank Statements

Statement history repository for RBC, TD, BMO, and Scotiabank.

⚖️

Bank Reconciliation

Fuzzy auto-matching to reconcile ledger transactions to zero.

👥

Payroll

Director and contractor disbursement records with source deductions.

📖

General Journal

Manual adjusting entries, Storno reversals, and debit/credit balance.

🔧

Fixed Assets & CCA

Capital depreciation schedules across classes with AII write-offs.

📊

Investments & Assets

Marketable securities, GICs, and corporate holding investments.

💳

Loans & BNPL

Amortization schedules for credit lines, loans, and leasing.

👤

Reimbursements

Employee out-of-pocket expenses and corporate repayments.

🔄

Subscriptions

Recurring SaaS and software vendor renewal auditor.

🍁

Canadian GST/HST

CRA Form GST34 Net Return: Lines 101, 105, 108, and 109.

📑

Corporate Tax (T2 / GIFI)

Schedules 125, 100, Schedule 4 Loss Pool, and SBD tax estimate.

👤

Personal Tax (T1)

Sole proprietorship T2125 statement of business activities.

⏰

CRA Deadlines

Countdown timers for corporate filing, tax instalments, and returns.

⚠️

Missing Documents

Automated detection of expenses lacking required receipt proof.

🚗

Mileage Log

CRA automobile logbook with standard per-km deduction rates.

🛡

CRA Audit Log

ITA s.230(1) & ETA s.286 statutory 6-year immutable audit log.

⚡

Receipt Drop (Vision)

Drag-and-drop OCR powered by Apple Vision Framework.

📈

Cash-flow Forecast

30/60/90-day trajectory with What-If scenario simulations.

⚖️

Shareholder Loan

Due to/from shareholder balances, s.15(2) interest calculations.

📦

Inventory & Margin

Cost of Goods Sold (COGS) tracking and inventory valuation.

📦

Year-end Package

Fiscal year-end closing checklist, period lock, and trial balance.

💼

CPA Handoff

Clean ZIP/PDF archive package formatted for Canadian accountants.

🏦

Chart of Accounts

Asset, liability, equity, revenue, and expense classification.

🏷

Categories & GIFI

Custom tax mapping and CRA line linkage.

#️⃣

Hashtags & Rules

Automated rules engine to categorize transactions on import.

⇅

Import & Export

CAMT.053 XML, OFX, QFX, QBO, CSV, and full JSON database dump.

🏢

Multi-Business Scope

Manage operating company, holding company, and joint ventures.

❤️

Data Health

Integrity checks, orphan split cleanup, and foreign key verification.

🗑

Recently Deleted

30-day soft-delete trash bin with one-click restoration.

⚙️

Preferences & Security

Biometrics, privacy mode masking, theme density, and backups.

Zero Server Requirement

Engineered for Data Sovereignty

Your accounting books belong to you, not a third-party SaaS cloud. Monvelio runs on bare-metal Apple hardware.

Database Engine

SQLite 3 + WAL Mode

Write-ahead logging delivers atomic, crash-proof transactions and microsecond query latency.

Hardware Security

Apple Secure Enclave

Encryption keys stored in macOS Keychain with hardware-enforced FileVault protection.

Native Frameworks

Pure Swift 6

Full compile-time data race safety. Instant zero-lag launch with minimal RAM overhead.

Zero Surveillance

100% Offline by Default

No tracking analytics, no telemetry, and no external servers reading your financials.

Transparent Licensing

Download Free. Upgrade for Pro Power.

Get started with local double-entry bookkeeping at zero cost. Upgrade when you need advanced CRA tax schedules and cashflow forecasting.

Monvelio Free

For small businesses and freelancers getting started with native bookkeeping.

$0 CAD

Free forever • No credit card required

✓ Full Double-Entry General Ledger
✓ Bank Statement Import (OFX, QFX, QBO)
✓ Reconcile-to-Zero Verification
✓ 100% Local Encrypted SQLite WAL
✓ macOS & iOS Native Companion
✓ Basic Financial Summaries & Reports

Get Started Free

Recommended for Corporations

Monvelio Pro

Complete corporate suite for Canadian CCPCs, holding companies, and growing operations.

$149.99 / year

Billed annually ($12.50/mo equivalent). Save over 58%.

✓ Everything in Free Tier
✓ CRA Schedule 8 CCA (Class 8, 10, 50 AII 100%)
✓ GIFI 125 & 100 Corporate Statement Schedulers
✓ GST / HST Return (Form GST34) Net Remittance
✓ 30/60/90-Day Cashflow Forecaster & Simulator
✓ CPA Handoff Package & 6-Year CRA Audit Log
✓ Multi-Entity Corporate Scope (Holding + Operating)

Start Pro Free Trial

Common Questions

Frequently Asked Questions

Everything you need to know about Monvelio’s architecture, CRA compliance, and licensing.

Yes. Monvelio is specifically engineered for Canadian corporations (CCPCs) and sole proprietors. It calculates CRA Schedule 8 Capital Cost Allowance (including the 100% Accelerated Investment Incentive write-off for Class 50 hardware), Form GST34 Net GST/HST remittances, GIFI codes for T2 returns, and maintains a statutory 6-year immutable audit log compliant with Income Tax Act s.230(1) and Excise Tax Act s.286.

100% locally on your Mac and iPhone. Monvelio uses an encrypted SQLite database stored in your local application container. Encryption keys are guarded by macOS Keychain and protected by Apple Silicon Secure Enclave. There are zero mandatory cloud servers, zero trackers, and your financial data is never accessible to us.

Yes. The built-in CPA Handoff module allows you to export clean PDF packages containing your GIFI 125 Income Statement, GIFI 100 Balance Sheet, General Ledger trial balance, and Excel (.xlsx) workbooks with one click at fiscal year-end.

Monvelio supports ISO 20022 CAMT.053 XML, Open Financial Exchange (.ofx), Quicken (.qfx), QuickBooks (.qbo), and standard CSV statements from RBC, TD, BMO, Scotiabank, CIBC, National Bank, Desjardins, Stripe, and Wise.

Yes. Monvelio is 100% offline-capable. You can reconcile accounts, generate invoices, run cashflow simulations, and inspect tax schedules on flights, remote locations, or without an internet connection.

Your Corporation’s Finances. Engineered for Mac & iPhone.