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Native Swift 6 • macOS 14+ & iOS 18 • 100% Local-First

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

Double-entry bookkeeping, CRA Schedule 8 CCA, GIFI 125 corporate tax returns, and 90-day cashflow forecasting. Zero cloud lock-in — your financial records remain encrypted on your Apple hardware.

Download on the Mac App Store Download on the App Store
No Mandatory Cloud Servers
Apple Keychain & FileVault
CRA Schedule 8 & GIFI 125
Monvelio — Executive Dashboard
October 2026
📊

Executive Dashboard

Consolidated Financial Analytics • MTD Actuals
⚠️ 2 Uncategorized Transactions: $4,899.00 awaiting CRA tax classification. Review Now →
Total Revenue +14.2%
$48,250.00
vs $42,240.00 last month
Operating Expenses -3.8%
$19,420.00
Target: < $21,000.00
Net Cash Margin 59.7%
$28,830.00
Operating Profit
CRA Tax Reserve (12.2%) CCPC
$3,517.26
Auto-segregated for T2
Weekly Cash Inflow vs Outflow
Inflow Outflow
Week 1 Inflow: $11,200.00 Week 1 Outflow: $4,800.00 Week 2 Inflow: $14,500.00 Week 2 Outflow: $5,100.00 Week 3 Inflow: $9,800.00 Week 3 Outflow: $4,200.00 Week 4 Inflow: $12,750.00 Week 4 Outflow: $5,320.00 W1 W2 W3 W4
Weekly Avg Inflow: $12,062.50 Net Weekly Gain: +$7,207.50
Closing Liquid Balance Trend
Catmull-Rom Spline
Oct 01: $119,500.00 Oct 08: $126,800.00 Oct 15: $134,100.00 Oct 23: $148,330.00
Closing Liquid Assets: $148,330.00 (+24.1%)
Date
Description
Category / GIFI
Status
Amount
Oct 23
Acme Corp Retainer Q4
GIFI 8000 Trade Sales
Cleared
+$12,500.00
Oct 22
Apple Store Eaton Centre
GIFI 9150 Tech Hardware
Cleared
-$4,899.00
Oct 20
Toronto Studio Lease Q4
GIFI 8910 Commercial Rent
Cleared
-$3,200.00
Oct 18
Shopify Merchant Settlement
GIFI 8000 E-Commerce
Cleared
+$8,450.00
🍁

Canadian Corporate Tax (T2 / GIFI)

CRA Schedule 125 (Income Statement) & Small Business Deduction
GIFI Net Income (Line 9999)
$162,320.00
Pre-tax corporate profit
Federal Basic Tax (38%)
$61,681.60
Before CCPC abatement
CCPC Small Business Rate
-19.0%
Lines 405 & 430 applied
Net Combined Tax (12.2%)
$19,803.04
9% Fed + 3.2% Ontario SBD
GIFI Code
Official CRA Schedule 125 Line Item
Classification
Amount (CAD)
8000
Trade Sales of Goods and Services
Gross Operating Revenue
+$248,300.00
8320
Consulting & Professional Services Fees
Direct Advisory Services
+$34,200.00
8518
Cost of Goods Sold (Subcontractors & Direct)
Cost of Sales (COGS)
-$62,100.00
8521
Advertising, Promotion & Marketing
Operating Expense
-$12,450.00
8810
Office, Software & General Administration
General & Administrative
-$8,930.00
8860
Professional, Legal & Accounting Fees
Professional Advisory
-$4,500.00
8910
Commercial Rent & Studio Lease
Facilities Expense
-$18,000.00
9150
Computer Hardware & Software (Class 50)
CCA 100% Accelerated Write-off
-$14,200.00
9999
Net Income / (Loss) Before Taxes (GIFI Total)
Audited Corporate Net
+$162,320.00
🇨🇦 CRA Compliance Engine: Pre-configured with Canadian Controlled Private Corporation (CCPC) 12.2% combined tax rate (9% federal + 3.2% Ontario). Class 50 hardware includes 100% Accelerated Investment Incentive write-offs.
📈

13-Week Liquidity & What-If Simulator

Dynamic Runway Projection & Scenario Stress-Testing
🧪 Interactive What-If Scenario Simulator +$41.2k over $0 line

Drag the slider to test capital investments (CapEx), delayed invoice payments, or new client retainers on your cash runway in real time.

Adjust CapEx / Inflow: $0.00
Projected Low Point: $41,200.00
Estimated Cash Runway: 18.4 Months
13-Week Projected Cash Balance vs $0 Break-Even Line Weekly Closes (Weeks 1 – 13)
$0 Break-Even Line W1: $148,330 W2: $144,120 W3: $152,400 W4: $139,800 W5: $147,200 W6: $135,100 W7: $142,600 W8: $128,400 W9: $136,900 W10: $122,800 W11: $129,500 W12: $118,200 W13: $126,400 W1 W3 W5 W7 W9 W11 W13
🇨🇦

Canadian GST / HST Return (Form GST34)

Filing Period: Q3 2026 (July 1 – September 30, 2026) • Ontario (13% HST)
Ready for NETFILE
Line 101: Total Supplies
$214,500.00
Gross sales & revenues
Line 105: Tax Collected
$27,885.00
13% ON HST collected
Line 108: ITCs Claimed
$11,420.50
Input Tax Credits on purchases
Line 109: Net Remittance
$16,464.50
Payable to Receiver General
GST/HST Remittance Composition (Line 105 vs Line 108) Due: October 31, 2026
ITCs: $11.4k (41%)
Net Remittance: $16.5k (59%)
Total GST Collected: $27,885.00 Verified ITC Receipts: 48 of 48 with valid CRA BN
💳

Transactions Ledger

Split allocations, CRA GIFI codes & receipt attachments
Date
Description
GIFI Code
Receipt
Status
Amount
Oct 23
Acme Corp Enterprise Retainer
GIFI 8000 Trade Sales
📎 PDF
Reconciled
+$12,500.00
Oct 22
Apple Store Eaton Centre
GIFI 9150 Tech Hardware
📎 Apple
Reconciled
-$4,899.00
Oct 20
Toronto Studio Lease Q4
GIFI 8910 Commercial Rent
📎 Lease
Reconciled
-$3,200.00
Oct 18
Stripe Merchant Settlement
GIFI 8000 Web Sales
—
Reconciled
+$8,450.00
Oct 16
AWS Cloud Infrastructure
GIFI 8810 Cloud Hosting
📎 Tax Inv
Reconciled
-$412.30
Oct 15
Figma Enterprise Subscription
GIFI 8810 Design Tools
📎 Receipt
Pending
-$180.00
Oct 12
Apex Design Strategy Retainer
GIFI 8320 Consulting
📎 SOW
Reconciled
+$6,200.00
Oct 10
Toronto Hydro Electric
GIFI 8810 Utilities
📎 E-Bill
Reconciled
-$385.20
🧾

Invoices & Accounts Receivable

Customer billing, automated 13% ON HST & payment tracking
Total Outstanding
$18,700.00
3 open customer invoices
Current (0-30 Days)
$14,200.00
Within payment terms
Overdue (>30 Days)
$4,500.00
1 invoice requires follow-up
Invoice #
Customer
Due Date
HST (13%)
Total CAD
Status
Action
INV-2026-084
Shopify Inc.
Oct 28, 2026
$977.88
$8,500.00
Paid
INV-2026-085
Wealthsimple Tech
Nov 04, 2026
$655.75
$5,700.00
Paid
INV-2026-086
FreshBooks Advisory
Sep 15, 2026
$517.70
$4,500.00
Overdue
INV-2026-087
Toronto Tech Studio
Nov 18, 2026
$713.27
$6,200.00
Sent
⚖️

Bank Reconciliation — Reconcile to Zero

RBC Royal Bank Business Chequing (*4891) • Statement Matching
Bank Statement Target
$148,890.00
Cleared Ledger Balance
$148,890.00
Difference / Variance
$0.00 Balanced!
Match
Date
Statement Description
Ledger Account
Amount
Oct 23
WIRE CR ACME CORP ENTERPRISE
1010 Operating Chequing
+$12,500.00
Oct 22
POS DEB APPLE STORE TORONTO
1510 Computer Hardware
-$4,899.00
Oct 20
EFT DEB TORONTO LEASING CORP
5100 Studio Rent
-$3,200.00
Oct 18
STRIPE PAYMENTS TRANSFER
1010 Operating Chequing
+$8,450.00

💡 Interactive demo: Uncheck any transaction above to see Monvelio compute variance and show out-of-balance warnings in real time.

🥧

Expense Category Breakdown

Swift Charts Donut Distribution • FY 2026 Actuals
Studio Rent
$18,000.00
Facilities & Studio Lease
$18,000.00 (32%)
Production & Subcontractors
$15,750.00 (28%)
Cloud Infrastructure & Software
$10,125.00 (18%)
Advertising & Promotion
$7,875.00 (14%)
Legal & Professional Fees
$4,500.00 (8%)
📱

iPhone 16 Pro Native Companion

iOS 18 Swift 6 • Apple Vision Receipt OCR & Dynamic Island
☁️ Monvelio Sync ● Live
Juniper Lane Design Co.
$148,330.00
👤
⚡ Apple Vision Framework OCR
Apple Store Eaton Centre
Mac Studio M3 Max • Business CapEx
GIFI 9150 + 13% ON HST $4,899.00
Today's Activity
Acme Corp Retainer
Trade Sales (GIFI 8000)
+$12,500.00
Toronto Hydro Electric
Utilities (GIFI 8810)
-$385.20
📊 Overview
💳 Ledger
🧾 Invoices
⚙️ Settings
Swift Charts & Metrics Live KPI cards with Catmull-Rom sparklines, budget overflow alerts, and consolidated multi-entity summary.
Explore Engine →
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.