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Sound familiar?

Over half of Canadians
have missed a bill payment.

It's not a money problem — it's a memory problem. Life gets busy, due dates slip by, and suddenly you're hit with a late fee or a hit to your credit score.

54%

of Canadians have missed a bill payment — and 73% of those missed 1–3 payments per year.

Source: Wellington Advertiser / TD Bank research

🏦 Bank of Canada

Late Payment Fee — $35.00

Your credit card payment was overdue. A fee has been charged to your account.

📱 Rogers

Service Interruption Notice

Your bill is 5 days overdue. Pay now to restore service.

Your Bills

3 tracked

Rent

Due Mar 1 · 3d reminder

$1,800

Netflix

Due Mar 12 · 3d reminder

$18

Rogers

Due Mar 18 · 5d reminder

$85

Nyra

Bill reminder service

👋 Hey! Your Rent of $1,800 is due in 3 days on March 1st. Don't get caught off guard.

— Nyra · Never miss a bill.

Today · 9:00 AM

March · All Paid ✓

🎵

Spotify

Payment successful · $11.99

✓

🎬

Netflix

Payment successful · $18.00

✓

✨

Disney+

Payment successful · $14.99

✓

🏠

Rent

Payment successful · $1,800

✓

📱

Rogers

Payment successful · $85.00

✓

01 · The Problem

Late fees.
Missed bills.
Endless stress.

Over half of Canadians have missed a bill. It's not carelessness — it's that there's no system. Due dates pile up, get lost in email, and hit you at the worst time.

54%

of Canadians have missed at least one bill payment

02 · Meet Nyra

Your bills.
Tracked.
Handled.

Add your bills once. Nyra remembers every due date, rolls them forward each month automatically, and uses AI to suggest billing cycles. Setup takes minutes.

3 min

average setup time for all your bills

03 · The Reminder

A text.
Right on time.
Every time.

No app to open. No notification settings to dig through. Nyra sends a personal SMS before each bill is due — exactly when you chose, 1, 3, or 7 days in advance.

late fees since using Nyra

04 · The Result

Every bill.
Paid on time.
Every month.

This is what financial life looks like with Nyra. Every subscription, every bill — paid before it's due. Your credit score climbs. The mental load disappears entirely.

Get started for $3/month →

Pre-authorized payments

Set it and forget it?
Not always.

Pre-authorized payments (PADs) are convenient — you set them up once and your bank pulls the money automatically on your billing date. But there's a catch most people don't think about until it's too late.

A pre-authorized payment doesn't guarantee the money is there. If your balance runs low before the pull date, the payment bounces — and you get hit with an NSF fee from your bank on top of any late charge from the biller.

⚠️ Canadian banks charged up to $50 per NSF incident — now capped at $10 as of March 2026, but the payment still fails and the bill still goes unpaid.

💸

Low balance? The payment fails.

Pre-authorized debits are rejected when your account has insufficient funds. Your bank declines the transaction and may charge an NSF fee — even for small shortfalls.

📋

Multiple PADs can stack up.

If several bills hit around the same time — rent, Rogers, your credit card minimum — one low-balance day can cascade into multiple failed payments and fees.

🔔

Nyra gives you the heads-up.

A reminder days before your bill is due means you can check your balance, top it up if needed, and make sure the payment actually goes through — whether it's automatic or manual.

Features

Built for people
who value their time.

Every feature in Nyra is designed to keep you one step ahead — automatically.

🔔

Custom Reminders

Set different reminder timing for every bill. Rent gets 7 days, Spotify gets 1. Your rules.

🤖

AI Suggestions

Type a bill name and Nyra's AI instantly suggests the billing cycle and typical due date.

🔄

Auto-Rolling Dates

Due dates update automatically each month — including smart end-of-month handling.

📱

SMS Only

No app to download. No settings to configure. Just a text to your phone when it matters.

💳

Credit Card Cycles

Credit cards bill differently in Canada. Nyra handles statement dates and payment due dates separately.

🔒

Cancel Anytime

Remove your last bill and your subscription cancels itself. No emails, no forms, no friction.

Pricing

Simple plans.
No surprises.

Pick the plan that fits your life. Every plan helps fund financial literacy across Canada.

Basic

Up to 5 bills tracked

$3/month

✓Up to 5 bills
✓SMS reminders
✓Custom reminder timing
✓Money IQ score
✓Starter badges

Over half of Canadianshave missed a bill payment.

Late fees.Missed bills.Endless stress.

Your bills.Tracked.Handled.

A text.Right on time.Every time.

Every bill.Paid on time.Every month.

Set it and forget it?Not always.

Built for peoplewho value their time.

Simple plans.No surprises.