From adding your first bill to never worrying about a late fee again — here's exactly how Nyra works, step by step.
No learning curve. No app to maintain. Just a setup that takes 3 minutes and then runs itself.
Choose the plan that fits your life — Basic for the essentials, Plus for most people, or Power if you track everything. Then enter your name, email, and phone number. Payment is handled securely through Stripe.
Head to your dashboard and start adding bills. Just type the bill name — Nyra's AI will immediately suggest the billing cycle, typical amount, and due date. Most people are done in under 3 minutes.
Every bill lives in your dashboard with its due date, amount, and how far away it is. Bills are colour-coded by urgency so you can see what needs attention at a glance. Due dates roll forward automatically — you never update anything.
Nyra sends you a personal SMS exactly when you asked — 1, 3, 5, or 7 days before each bill is due. No app to open, no notification to find. Just a text on your phone. You pay the bill and watch every month close with zero late fees.
Nyra turns financial responsibility into something fun. Earn streaks, boost your Money IQ, unlock achievements, and climb the leaderboard.
Nyra's AI learns your patterns and provides intelligent insights to help you make better financial decisions.
Nyra's dashboard is clean, fast, and built around one job: showing you what's due and when.
Nope. Nyra is entirely web-based and SMS-based. You manage your bills at nyra-nu.vercel.app and receive reminders as text messages. There's nothing to download or install — ever.
Nyra automatically rolls it forward to the next billing cycle. So if you add a monthly bill with a due date that already passed, it will show the next upcoming due date — you never have to manually update anything.
Yes — every bill has its own reminder setting. Your rent might need a 7-day heads-up so you can make sure the money is there. Your Netflix just needs 1 day. You're in full control for each bill individually.
Pre-authorized payments (PADs) are convenient but they don't check your balance first. If your account is low when the payment is pulled, it gets rejected and you're charged an NSF fee by your bank. Nyra gives you advance warning so you can make sure the money is actually there — whether the payment is manual or automatic.
Simply remove all your bills from the dashboard. Your subscription automatically cancels itself at the end of your current billing period. No emails, no cancellation forms, no friction.
Nyra is built by Financial Futures Education, a company that delivers financial literacy workshops to underserved youth in shelters, group homes, and community organizations across Canada. 20% of all Nyra profits directly fund these sessions — so every subscription helps a young person learn the money skills they need.
Nyra's AI Coach learns from your payment patterns and provides personalized tips. It can spot unusual charges, predict cash flow crunches, suggest optimal payment timing, and answer any money questions you have — all in plain language.
Money IQ is your financial health score from 0–100 based on on-time payments, streak consistency, and good habits. Pay bills on time, maintain streaks, and complete weekly challenges to boost your score. It's a fun way to track your financial growth.
Join Canadians who've stopped stressing about due dates. Plans from $3/month — and 20% funds financial literacy for youth who need it most.