Is VRITTI really free?

Yes — VRITTI’s free tier is free forever. 40 transactions a month, real-time P&L with a 30-day history, all crisis challenges, the first 5 Academy lessons, and 5 AI questions a day. 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 Pro at $9.99 CAD/month or $89/year. 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 — for the conversation. VRITTI has dedicated couples challenges like the seven-day Money Date, and the "Money Between Us" Academy module to help partners stop having the same argument. A shared two-person account is not in the app today; 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?

Not with live feeds yet. Today VRITTI works with every Canadian bank through statement import: upload a CSV or PDF statement from RBC, TD, BMO, Scotiabank, CIBC, or any other institution, and your transactions land in the app. Statement import is included in every plan, free tier included. Direct read-only bank connections are planned; VRITTI will say so plainly the day they are live.

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 — 40 transactions a month, 5 AI questions a day, a 30-day history, and the first 5 Academy lessons. Pro is $9.99 CAD/month or $89/year (about $7.42 a month, billed annually), with a 14-day free trial and no card required. Pro unlocks unlimited transactions, all-time history, a much higher daily AI limit, all 16 Academy modules (80 lessons), unlimited statement imports, unlimited receipt scanning, invoicing, and all 40+ reports.

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. You import statements yourself today (PDF or CSV) — no bank credentials ever touch VRITTI; read-only Plaid connections are coming soon. Your data is never sold to third parties. Period. You can export everything 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 Monarch.

Monarch and VRITTI both support couples and both look great. The differences: Monarch costs $14.99 USD/month with no free tier and is US-centric. VRITTI has a free-forever tier, full Canadian tax support (HST/GST/QST), and adds the features Monarch doesn’t have — emotional onboarding, Crisis mode for debt recovery, and a 16-module Financial Academy.

Monarch emerged as the polished premium Mint replacement. It’s well designed, has strong couples features, and includes AI. Where it falls short is Canadian tax reality, a free tier for people who can’t afford a subscription, and anything addressing the emotional side of money anxiety.

Join the waitlist See everything VRITTI does →

VRITTI vs Monarch at a glance.

VRITTI compared with Monarch
Feature	VRITTI	MonarchMint replacement · $14.99 USD/mo
Free tier	Free forever	No free tier
Paid tier	$9.99 CAD/mo · $89/yr	$14.99 USD/mo
Country focus	Canada (US 2026)	US-first
Emotional onboarding	Yes	—
Crisis mode	Yes	—
Shame-free framing	Yes	—
Couples content	Challenges + lessons	Yes
AI insights	Yes	Yes
Financial Academy	16 modules · 80 lessons	Articles + blog
CRA tax (HST/GST/QST)	Yes	—
iOS + Android	Yes	Yes

Why people switch to VRITTI.

Free tier for people who actually need free.

Monarch charges $14.99/month. If you’re stabilising — which is exactly when you need financial tools most — that’s a barrier. VRITTI’s Crisis tier stays free forever.

Canadian tax, not afterthought.

Monarch works for US users but Canadian taxes (HST/GST/QST, provincial rates, CPP, T2125 categories) aren’t core. VRITTI was built Canada-first with every province supported.

The emotional layer Monarch skipped.

Monarch has great charts. VRITTI has charts AND the thing that stops you from opening the charts — financial shame. Emotional onboarding, shame-free challenges, and a 16-module Academy grounded in Brown, Housel, and Sethi.

VRITTI vs Monarch — the real questions.

Is VRITTI a Monarch alternative?

Mostly. VRITTI offers AI insights, a polished dashboard, and iOS + Android like Monarch, plus a free-forever tier, full Canadian tax support, emotional onboarding, Crisis mode, and a 16-module Financial Academy. The one Monarch feature VRITTI does not have yet is a shared household account — VRITTI covers couples through challenges and lessons instead.

Is Monarch or VRITTI better for Canadians?

VRITTI. Monarch is built for US users — Canadian provincial taxes, HST/GST/QST tracking, CPP, and T2125 categories aren’t core. VRITTI was Canada-first from day one.

Is VRITTI cheaper than Monarch?

Yes. VRITTI has a free-forever tier (Monarch has no free tier). VRITTI Pro is $9.99 CAD/month (or $89/year) vs Monarch’s $14.99 USD/month.

Does VRITTI have couples features like Monarch?

Yes — dedicated couples challenges and a full "Money Between Us" Academy module, included in the free tier. One honest difference: Monarch offers a shared household account; VRITTI does not have a shared two-person space yet.

Can I migrate from Monarch to VRITTI?

Yes. Export CSV from Monarch, import to VRITTI. The entire migration takes about three minutes, and statement imports keep transactions current from there.

your starting point is valid

All the polish. Plus the parts Monarch skipped. Come over.

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