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.

What is the best finance app for money anxiety?

VRITTI was built specifically for people with money anxiety — the anxious, the avoidant, the starting-over. It is the first personal finance app with emotional onboarding, a dedicated Crisis mode, a shame-free challenge system, and language that never punishes you for looking away.

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.

What does VRITTI mean?

VRITTI is a Sanskrit word meaning 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.

Honest side-by-side

VRITTI vs Copilot.

Copilot is a gorgeous iOS-only finance app at $13 USD/month. VRITTI is cross-platform (iOS + Android), has a free tier, supports Canadian taxes, and adds the things Copilot doesn’t have: emotional onboarding, Crisis mode, and a 16-module Academy. If you need the best design on iPhone and you’re comfortable paying $13/month, Copilot wins. If you want cross-platform, a free tier, or emotional-first framing, VRITTI wins.

Copilot has earned its reputation for great design, AI categorisation, and a slick iOS experience. Where it falls short: Android users have nothing, Canadian users get US-centric tax handling, and the app doesn’t acknowledge the emotional side of why people avoid their bank apps in the first place.

Join the waitlist See everything VRITTI does →

VRITTI vs Copilot at a glance.

VRITTI compared with Copilot
Feature	VRITTI	CopilotiOS-only · $13 USD/mo
Free tier	Free forever	15-day trial
Paid tier	$9.99 CAD/mo	$13 USD/mo
Platforms	iOS + Android	iOS only
Android support	Yes	—
Emotional onboarding	Yes	—
Crisis mode	Yes	—
Shame-free framing	Yes	—
Financial Academy	16 modules · 80 lessons	Daily digest
AI insights	Yes	Yes
Couples mode	Yes	—
CRA tax (HST/GST)	Yes	—

Why people switch to VRITTI.

Android exists.

Copilot is iOS-only. If you share finances with someone on Android, you’re stuck. VRITTI ships iOS 16+ AND Android 12+ from day one.

Free tier that’s actually useful.

Copilot is $13/month after a 15-day trial. VRITTI’s free tier includes unlimited transactions, real-time P&L, crisis challenges, and the first 2 Academy lessons per module — forever, no credit card.

The emotional layer Copilot design-washed.

Copilot’s "friendly AI" tone is marketing gloss on the same "sort your categories" interaction. VRITTI starts one level deeper — with how you feel — and lets that shape every subsequent interaction.

VRITTI vs Copilot — the real questions.

Is VRITTI like Copilot?

Similar in spirit (both are modern finance apps with AI), different in substance. Copilot is iOS-only at $13/month. VRITTI is cross-platform (iOS + Android), has a free tier, supports Canadian taxes, and adds emotional onboarding, Crisis mode, and a 16-module Academy.

Does Copilot have Android?

No. Copilot is iOS-exclusive. If you need an Android version of a Copilot-quality finance app, VRITTI ships on both iOS 16+ and Android 12+.

Is VRITTI cheaper than Copilot?

Yes. VRITTI has a free-forever tier (Copilot has only a 15-day trial). VRITTI Pro is $9.99 CAD/month vs Copilot’s $13 USD/month.

Does VRITTI have AI insights like Copilot?

Yes. VRITTI has AI insights tuned to your emotional starting point — different tone and suggestions in Crisis mode vs Growth vs Optimization. The free tier gets 3 AI queries/month; Pro unlocks unlimited.

Can I use VRITTI for Canadian taxes?

Yes. VRITTI has full CRA tax support — HST/GST/QST by province, quarterly filing reminders, Input Tax Credits, CPP contributions, T2125 categories. Copilot’s tax handling is US-first.

your starting point is valid

All the iOS polish. Plus Android. Plus free. Come over.

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