Is VRITTI really free?

Yes — VRITTI’s free tier is free forever. Unlimited transactions, real-time P&L, crisis challenges, the first 2 Academy lessons per module, and 3 AI queries/month. No credit card. No trial-that-converts-silently. If you’re in financial crisis, everything you need to stabilise is free.

How is VRITTI different from other finance apps?

Every other finance app starts with your numbers. VRITTI starts with how you feel about your numbers. VRITTI asks one question before you see a single transaction — and your answer reshapes everything: which challenges appear, how the app talks to you, what success looks like for you. VRITTI was built for the 80% of people that fintech forgot.

Is VRITTI a Mint alternative?

Yes. Mint was discontinued by Intuit on March 23, 2024. VRITTI is a Canadian-built alternative designed for people with financial anxiety, with emotional onboarding, a free-forever tier, 16 Academy modules, and real CRA tax support (HST/GST/QST). Unlike Mint, VRITTI was built around the emotional relationship with money — not just the numbers.

How does VRITTI compare to YNAB?

YNAB is zero-based budgeting for disciplined planners. VRITTI is emotional-first financial wellness for people who feel anxious about money. YNAB costs $14.99 USD/month with a 34-day trial; VRITTI has a free-forever tier and $9.99 CAD/month for Pro. VRITTI replaces "broken streak" guilt mechanics with a streak that pauses but never breaks.

What if I am in a really bad financial situation?

Then VRITTI was built for you specifically. The Crisis challenge category, the debt-recovery Academy modules, and the one-day "Just Look" challenge are all designed for people who are stabilising. No judgment, no "you should have done this sooner." The crisis tier is free forever.

Does VRITTI work for couples?

Yes. VRITTI was built with couples in mind from day one: dedicated couples challenges, the "Money Between Us" Academy module, and shared financial spaces where partners see each other’s cash flow without surrendering privacy. The goal is a shared language, not a shared password.

Is VRITTI available in the United States?

VRITTI is launching in Canada first (full CRA tax support included). US expansion is planned for 2026. If you are in the US, join the waitlist — we will email you the moment the US app is ready.

When does VRITTI launch?

VRITTI launches in 2026. Early-access users on the waitlist get invited first — iOS and Android — before the public rollout.

Does VRITTI connect to Canadian banks?

Yes. VRITTI connects to every major Canadian bank (RBC, TD, BMO, Scotiabank, CIBC, National Bank, Tangerine, Desjardins, EQ Bank, and credit unions) via read-only bank feeds. Bank connections are included in every plan — including the free tier. Always.

Does VRITTI have an iPhone app?

Yes. VRITTI ships on iOS 16+ and Android 12+. Desktop access is planned for 2026. The app is designed mobile-first because that is where financial anxiety most commonly hits — a notification, a statement, a number that feels too heavy.

How much does VRITTI cost?

The free tier is $0 forever. Pro is $9.99 CAD/month (early-bird; reserved before Pro opens). Pro unlocks unlimited AI queries, all 16 Academy modules (80 lessons), unlimited bank connections, receipt scanning, invoicing, and advanced Financial Health Score dimensions.

Can VRITTI help with debt?

Yes. VRITTI has a dedicated Debt Recovery Academy module, a Crisis challenge category designed for people with monthly expenses exceeding income, and a debt-specific view in the dashboard. All available on the free tier.

Is my financial data secure with VRITTI?

VRITTI is built on Supabase’s SOC 2-certified infrastructure. AES-256 encryption at rest. Row-level security. Read-only bank connections via Plaid — VRITTI never sees your login credentials. Your data is never sold to third parties. Period. You can export everything as CSV at any time.

About

The first finance app that starts with how you feel.

VRITTI is a Canadian financial wellness app built for the 80% of people who feel anxious about money — the anxious, the avoidant, the starting-over. Founded in Canada in 2026, VRITTI is the first personal finance app with emotional onboarding: it asks how you feel about money before showing you a single number, then personalises the experience across three modes — Crisis, Growth, or Optimization.

Fact sheet.

Category: Financial wellness app
Founded: 2026, Canada
Platforms: iOS 16+, Android 12+
Regions: Canada (US, UK, AU in 2026)
Pricing: Free forever · Pro $9.99 CAD/mo
Security: SOC 2, AES-256, read-only bank feeds
Languages: English (CA/US/UK/AU), Québec French, US Spanish
Etymology: VRITTI — Sanskrit for income, livelihood, the flow of resources

The mission

Most finance apps were built for the 20% who already have it together.

Then they wonder why most people don’t stick with them. VRITTI was built for everyone else — the 80% who feel anxious about money, avoid their bank app, fight with their partner about spending, or have been through a crisis that left them starting over.

We believe financial wellness is a human right, not a premium tier. That’s why the Crisis mode stays free forever. If you’re stabilising, every tool you need to build a floor — savings goals, Crisis challenges, debt modules — is free.

The name VRITTI is Sanskrit for income or livelihood — the flow of resources through a life. Not a budget. Not a ledger. A flow. Something living, something that moves, something that belongs to you.

your starting point is valid

Join the people VRITTI was built with.

SOC 2 · AES-256 Built in Canada Free tier forever