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 Spendee.

Spendee is a visually playful personal-finance app with strong shared wallets at $14.99 USD/month (or $1.99 for a limited tier). VRITTI is emotional-first financial wellness with a free-forever tier, Canadian tax support (HST/GST/QST), and a 16-module Academy. If you want bright charts and group budgets, Spendee is fine. If you want an app built around how you feel about money, VRITTI is the better fit.

Spendee has built a loyal following among visual learners and travellers who split expenses. What it lacks: a real free tier, Canadian-specific tax tracking, and any recognition of the emotional layer that makes people avoid their finances in the first place.

Join the waitlist See everything VRITTI does →

VRITTI vs Spendee at a glance.

VRITTI compared with Spendee
Feature	VRITTI	SpendeeColourful budgeting · $14.99 USD/mo
Free tier	Free forever	Limited (3 wallets)
Paid tier	$9.99 CAD/mo	$14.99 USD/mo
Emotional onboarding	Yes	—
Crisis mode	Yes	—
Shared wallets / couples	Yes	Yes
Financial Academy	16 modules · 80 lessons	—
AI insights	Yes	—
Canadian tax (HST/GST)	Yes	—
Visual charts	Yes	Yes
iOS + Android	Yes	Yes

Why people switch to VRITTI.

Free is free.

Spendee’s free tier is capped at 3 wallets. VRITTI’s free tier is unlimited transactions, real-time P&L, first 2 Academy lessons per module, 3 AI queries/month — forever.

Emotion over colour.

Spendee’s charm is its colourful UI. VRITTI’s charm is deeper: it asks how you feel before showing your balance, then adapts every challenge, every AI tone, every success metric to your emotional starting point.

Canadian, properly.

Spendee is a global tool with no real CRA support. VRITTI handles HST/GST/QST by province, quarterly filing, Input Tax Credits, CPP, and T2125 — the real Canadian tax reality.

VRITTI vs Spendee — the real questions.

Is VRITTI like Spendee?

Similar in spirit — both are modern finance apps — but different in structure. Spendee is visual budgeting with shared wallets. VRITTI is emotional-first financial wellness with Crisis mode, a 16-module Academy, and real Canadian tax support.

Is Spendee free?

Only with a strict cap (3 wallets). Full access is $14.99 USD/month. VRITTI’s free tier has no wallet cap and includes unlimited transactions.

Can I switch from Spendee to VRITTI?

Yes. Export your transactions as CSV from Spendee, import into VRITTI. Bank connections re-establish via Plaid.

Does VRITTI have shared wallets like Spendee?

Yes. VRITTI’s couples mode includes a shared financial space, dedicated couples challenges, and the "Money Between Us" Academy module — all on the free tier.

Is VRITTI cheaper than Spendee?

Yes. VRITTI has a free-forever tier with no wallet cap. Pro is $9.99 CAD/month vs Spendee’s $14.99 USD/month.

your starting point is valid

Bright design is fine. Emotion is better. Come over.

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