Finally safe
to look.
Most finance apps were built for the 20% who already have it together. VRITTI was built for everyone else — the anxious, the avoidant, the starting-over. We start with how you feel about money, not how much you have.
Money without the shame.
80%
feel financial anxiety
30%
can’t do basic percentages
16
Academy modules
"I downloaded YNAB. It asked me to 'age my money.' I closed it and never went back."
"I haven't opened my bank app in three weeks because the number feels too heavy."
"My partner and I love each other. We fight about money every single month."
These people aren't bad with money. They were given tools built for someone else.
"Every finance app assumes you're ready to budget. Nobody asks: how do you feel about money?"
— the question that started VRITTI
Financial shame
Financial behavior is 90% emotional and 10% mathematical. Every app skips the 90%.
Avoidance spirals
Not looking makes it worse. But every app punishes you for not looking with "broken streaks" and red numbers.
Money conflicts
Couples who share finances don't need a shared spreadsheet. They need a shared language.
When your money app starts with how you feel, everything changes.
Before VRITTI shows you a single number, it asks: How are you feeling about your finances right now? Your answer shapes everything.
Crisis
For people finding their floor.
Small steps. Steady hands. One day at a time. No judgment — just safety. VRITTI meets you where you are and helps you breathe first.
Growth
For people ready to move.
Academy paths unlock. New challenges appear. Momentum builds. Your financial health score climbs as you engage.
Optimization
For people ready to fine-tune.
Advanced P&L insights. Margin analysis. Income diversification. The clarity you need to make confident decisions.
80%
feel financial anxiety
APA Stress Survey
170M+
North Americans
underserved by fintech
16
Academy modules
80 lessons, real books
$0
crisis mode tier
free forever, really
Built for how you actually feel.
Every screen adapts to your emotional starting point — crisis, growth, or optimization.
Built for the full human
experience of money.
The first question we ask isn't about your balance.
Before you see a single number, VRITTI asks: How are you feeling about money right now? Your answer shapes your entire experience — because someone who's drowning needs a different app than someone who's optimizing.
Challenges · 6 categories
Just Look
1 day · Open the app. That's it. No action required. Just look.
Build Your Floor
14 days · Set up your first $500 financial floor. One step at a time.
Money Date
7 days · A structured conversation with your partner. No spreadsheets.
Showing up is enough.
VRITTI's challenge system has a "Crisis" category and a "Shame-Free" category — because some people need a floor before they need a plan. The hardest crisis challenge takes one day. The first shame-free challenge requires zero action.
your streak pauses, it never breaks
The financial education you deserved but never got.
16 Academy modules. 80 lessons. Grounded in real books — Morgan Housel, Brené Brown, Ramit Sethi, Tiffany Aliche — and connected to your actual transaction data. Not abstract advice. Applied knowledge.
Modules include
Also included
Real-time P&L
Your income statement, always current. Never find out you're broke at tax time.
AI Insights
Ask anything about your money. Get answers that feel like a friend, not a robot.
Health Score
5 dimensions of financial wellness. Goes up when you show up — not just your balance.
Bank-grade security
256-bit encryption. Canadian data residency. Your data is never sold.
From avoidance to clarity in three steps.
Tell us how you feel
Before numbers, before budgets — VRITTI asks how you're feeling about money right now. Your emotional starting point shapes the entire experience.
Get your path
Crisis, growth, or optimization — VRITTI builds a personalized experience with challenges, Academy modules, and insights tuned to where you actually are.
Show up. That's it.
Open the app. Do one challenge. Read one lesson. Your financial health score grows when you engage — not just when your balance does.
The 80% that fintech forgot.
The Avoider
Hasn't opened their bank app in weeks. Carries the weight of not-knowing. Needs permission to just look.
The Crisis Survivor
Acutely aware, painfully stuck. Monthly expenses exceed income. Needs a floor before a plan.
The Couple
Love each other. Fight about money. Need a shared language, not a shared spreadsheet.
The Hustler
Earns well, has no financial clarity. Freelancer who builds brands for others but can't send their own invoice on time.
The financial education you never got.
Guides on financial wellness, money anxiety, freelancer finance, and yes — also HST. Written for real people.
If you're in crisis, it's free. Forever.
Simple, honest pricing. No surprise charges.
Free
$0
Free, forever. Really.
Pro
$9.99
$19
/month CAD
Early bird pricing — locks in forever
Bank imports included. Always. CSV export free. Always. Your data exportable. Always. Coming from Wave? →
Frequently asked questions
your starting point is valid
Finally safe
to look.
Get early access before public launch. The free tier is generous enough that you might never need to pay.
no spam · no dark patterns · just VRITTI when it's ready