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 Tiller.

Tiller auto-fills your Google Sheets or Excel with transaction data for $79 USD/year. It’s for people who love spreadsheets. VRITTI is for people who don't — emotional-first onboarding, Crisis mode, a 16-module Academy, mobile-first design, and a free-forever tier. If you live in spreadsheets, stay with Tiller. If you want a finance app that meets you where you actually are, VRITTI is the opposite end of the spectrum.

Tiller serves a specific niche: spreadsheet-native people who want automated data without giving up formula control. That’s a great product for maybe 5% of users. The other 95% need something that doesn’t require them to maintain a spreadsheet on top of their money.

Join the waitlist See everything VRITTI does →

VRITTI vs Tiller at a glance.

VRITTI compared with Tiller
Feature	VRITTI	TillerSpreadsheet budgeting · $79 USD/year
Free tier	Free forever	30-day trial
Paid tier	$9.99 CAD/mo · $89/yr	$79 USD/year
Primary surface	Mobile-first app	Google Sheets / Excel
Emotional onboarding	Yes	—
Crisis mode	Yes	—
Transaction import	Statement import (CSV/PDF)	Auto bank sync
AI insights	Yes	—
Financial Academy	16 modules · 80 lessons	Templates
Couples content	Challenges + lessons	Shared sheet
Canadian tax (HST/GST)	Yes	—

Why people switch to VRITTI.

App, not a spreadsheet.

Tiller’s home is Google Sheets — rows, columns, formulas. VRITTI’s home is your phone. No spreadsheet to maintain. No formulas to break.

Built for people who avoid money.

Tiller is a power tool for people who love their data. VRITTI is built for people who haven’t opened their bank app in three weeks — and need a reason to try again.

Free tier + monthly option.

Tiller is $79/year upfront. VRITTI has a free-forever tier and pay-by-month Pro ($9.99 CAD/month) — no annual lock-in to try it.

VRITTI vs Tiller — the real questions.

Is VRITTI like Tiller?

No. Tiller auto-fills a spreadsheet with your transactions. VRITTI is a mobile-first financial wellness app with emotional onboarding, Crisis mode, a 16-module Academy, and couples challenges. Different audiences entirely.

Can I export my VRITTI data to a spreadsheet?

Yes. CSV export is available on every tier. You can pipe VRITTI transactions into any spreadsheet tool if you want that workflow.

Is VRITTI cheaper than Tiller?

VRITTI has a free-forever tier (Tiller has a 30-day trial, then $79/year). VRITTI Pro is $9.99 CAD/month or $89 CAD/year — a little above Tiller’s annual price but with mobile app, AI, Crisis mode, and Academy included.

Does VRITTI connect to banks like Tiller?

Not with live feeds yet — today VRITTI imports statements (CSV or PDF) from any Canadian bank, on every plan. SOC 2 infrastructure, AES-256 encryption, and your data is never sold. Direct bank connections are planned.

Which is better for Canadians — Tiller or VRITTI?

VRITTI. Tiller is US-focused. VRITTI was built Canada-first: HST/GST/QST by province, quarterly filing, CPP, T2125, and statement import from every Canadian bank.

your starting point is valid

Spreadsheets are for the 5%. This is for everyone else. Come over.

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