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 Goodbudget.

Goodbudget is digital envelope budgeting for people who prefer manual entry — $10 USD/month for unlimited envelopes. VRITTI is automatic, emotional-first financial wellness with free bank feeds, Crisis mode, a 16-module Academy, and couples mode. Goodbudget requires discipline and time; VRITTI requires one question about how you feel.

Envelope budgeting works beautifully for disciplined planners. But for the 80% of people who avoid looking at their money, envelope allocation is exhausting friction. VRITTI starts with the emotional barrier, not the allocation.

Join the waitlist See everything VRITTI does →

VRITTI vs Goodbudget at a glance.

VRITTI compared with Goodbudget
Feature	VRITTI	GoodbudgetEnvelope budgeting · $10 USD/mo
Free tier	Free forever	Limited (10 envelopes)
Paid tier	$9.99 CAD/mo	$10 USD/mo
Methodology	Emotional-first + modes	Envelope budgeting
Auto bank connections	Yes	Manual entry
Emotional onboarding	Yes	—
Crisis mode	Yes	—
Couples mode	Yes	Shared envelopes
Financial Academy	16 modules · 80 lessons	Some blog posts
AI insights	Yes	—
Canadian tax (HST/GST)	Yes	—

Why people switch to VRITTI.

Automatic, not manual.

Goodbudget expects you to manually enter transactions and allocate to envelopes. VRITTI auto-syncs via Plaid and does the categorisation for you — time and friction you can’t afford when you’re anxious.

Meets you where you are.

Goodbudget has one method. VRITTI has three modes — Crisis, Growth, Optimization — each with different language, challenges, and success signals.

Emotional layer Goodbudget never touches.

Goodbudget is a tool. VRITTI is a tool with emotional intelligence. It doesn’t punish you for skipping a day, it pauses your streak, and it never shames you for avoiding the app.

VRITTI vs Goodbudget — the real questions.

Is VRITTI envelope budgeting?

No. VRITTI is mode-based financial wellness. You choose a mode during emotional onboarding (Crisis, Growth, or Optimization) and the entire experience adapts to you — no envelopes to allocate, no manual entry.

Can I do envelope budgeting in VRITTI?

Not strictly, but VRITTI’s category-based Cash Flow view + Savings Goals + Challenges together give you most of what envelope budgeting provides — with automatic syncing and no manual allocation.

Is VRITTI cheaper than Goodbudget?

Yes. VRITTI has a free-forever tier (Goodbudget’s free tier is capped at 10 envelopes). Pro is $9.99 CAD/month vs Goodbudget’s $10 USD/month.

Does VRITTI work without bank connections like Goodbudget?

Yes. You can add transactions manually if you prefer. Bank connections are optional and read-only — VRITTI never sees your bank login.

Is VRITTI good for couples compared to Goodbudget?

Both support couples. VRITTI adds emotional-first onboarding, a "Money Between Us" Academy module grounded in couples-therapy research, and Money Date challenges — depth that envelope budgeting alone doesn’t address.

your starting point is valid

Envelopes, unsealed. Emotion, invited. Come over.

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