I hadn’t opened my bank app in two months before VRITTI. Now I check it daily — not out of fear, just curiosity.
S
Sarah M.
The Avoider · Vancouver
Financial wellness — for the other 80%
Finallysafe
to look.
When you work for yourself, nothing's withheld, so you're never quite sure how much of your money is actually yours. VRITTI works it out every time you're paid, by estimate, and keeps it in one calm place.
Money without the shame.
0%
feel financial anxiety
0
Academy modules
Bank-grade encryption
Built in Canada
Free to start
Shame-free by design
The numbers we watch, so you don't have to
0.0%
CPP when self-employed — both halves. We fold it into every set-aside.
$0k
the GST/HST registration line. We watch your rolling total cross it.
0¢
per km, CRA 2026 rate. Logged as you drive, audit-ready.
0×
instalment dates a year. Each one already sitting on your ring. Never a surprise.
2026 figures, verified against the CRA — the same numbers the app applies.
The insight
When your money app starts with how you feel, everything changes.
Before VRITTI shows you a single number, it asks: How are you feeling about your finances right now? Your answer shapes everything.
01
Crisis
For people finding their floor.
Small steps. Steady hands. One day at a time. No judgment — just safety. VRITTI meets you where you are and helps you breathe first.
02
Growth
For people ready to move.
Academy paths unlock. New challenges appear. Momentum builds. Your financial health score climbs as you engage.
03
Optimization
For people ready to fine-tune.
Advanced P&L insights. Margin analysis. Income diversification. The clarity you need to make confident decisions.
Show up. That's it.
Open the app. Do one challenge. Read one lesson. Your financial health score grows when you engage — not just when your balance does.
The uncomfortable truth
"I downloaded YNAB. It asked me to 'age my money.' I closed it and never went back."
"I haven't opened my bank app in three weeks because the number feels too heavy."
"My partner and I love each other. We fight about money every single month."
These people aren't bad with money.
They were given tools built for someone else.
"Every finance app assumes you're ready to budget. Nobody asks: how do you feel about money?"
— the question that started VRITTI
Financial shame
Financial behavior is mostly emotional — and every finance app skips the emotional part.
Avoidance spirals
Not looking makes it worse. But every app punishes you for not looking with "broken streaks" and red numbers.
Money conflicts
Couples who share finances don't need a shared spreadsheet. They need a shared language.
0%
feel financial anxiety (APA Stress in America) — tens of millions of North Americans, the people every other finance app quietly skips.
The Tax Jar
Know which part is yours.
Nothing's withheld when you work for yourself. Each time you log a payment, VRITTI estimates the tax part for your province (income tax, CPP and GST/HST) and shows what's left as yours. It doesn't move your money. It tells you what to move, and keeps instalment dates in view if you pay them. At year end, your accountant gets a clean export.
Try it — what would your jar hold?
$6,500/mo
$1,885/mo
the income-tax part, by estimate: about 29% of income, federal + provincialand CPP included.
2026 rates — an estimate for planning, not advice. Full calculator
Inside the app
Every screen. Built for how you feel.
Every screen adapts to your emotional starting point — crisis, growth, or optimization.
See it work
Five things it does while you breathe.
No narration, no pitch — just the app doing the quiet part.
The film
Finally safe to look.
42 seconds, with sound.
What VRITTI does differently
Built for the full human experience of money.
Feel before you fix
The first question we ask isn't about your balance.
Before you see a single number, VRITTI asks: How are you feeling about money right now? Your answer shapes your entire experience — because someone who's drowning needs a different app than someone who's optimizing.
6 emotional states recognized
Personalized path from day one
Adapts as your relationship with money changes
Challenges · 9 categories
Just Look
1 day · Open the app. That's it. No action required. Just look.
Build Your Floor
14 days · Set up your first $500 financial floor. One step at a time.
Money Date
7 days · A structured conversation with your partner. No spreadsheets.
Progress over perfection
Showing up is enough.
VRITTI's challenge system has a "Crisis" category and a "Shame-Free" category — because some people need a floor before they need a plan. The hardest crisis challenge takes one day. The first shame-free challenge requires zero action.
Your streak pauses, it never breaks.
Knowledge that sticks
The financial education you deserved but never got.
16 Academy modules. 80 lessons. Grounded in real books — Morgan Housel, Brené Brown, Ramit Sethi, Tiffany Aliche — and connected to your actual transaction data. Not abstract advice. Applied knowledge.
Modules include
Your Mind on Money
Climbing Out (Debt)
Money Between Us
Freelancer Finance
Building Your Floor
The Immigrant Playbook
Also included
Real-time P&L
Your income statement, always current. Any day you look, you know where you stand.
AI Insights
Ask anything about your money. Get answers that feel like a friend, not a robot.
Health Score
A 0-100 read on your financial wellness. Goes up when you show up — not just your balance.
Bank-grade security
Supabase SOC 2-certified infrastructure. AES-256 at rest. Your data is never sold.
Built for
The 80% that fintech forgot.
Four starting points, one experience that adapts to each. VRITTI meets you where you are — not where a spreadsheet thinks you should be.
The Avoider
Permission to just look.
Hasn’t opened their bank app in weeks. VRITTI starts with one question — how are you feeling? — and the "Just Look" challenge asks for nothing else. Zero steps. Zero judgment.
Emotional onboarding + Just Look (1-day) challenge
The Crisis Survivor
A floor, then a plan.
Monthly expenses exceed income. Acutely aware, painfully stuck. VRITTI’s Crisis challenges and Savings Goal tracker build a $500 floor first — because clarity comes after safety.
Tax Jar + Crisis challenge category + debt modules
The Couple
A shared language.
Love each other. Fight about money. Most couples who fight about money don’t need a shared budget. They need a shared language.
- A shared language, not a shared password — each partner keeps their own private space.
- Money Date challenges: structured 7-day conversations that replace recurring arguments.
- “Money Between Us” Academy module: five lessons grounded in couples-therapy research.
Money Date (7-day) challenge + "Money Between Us" module
The Hustler
Clarity across every stream.
Freelancers, consultants, side-hustlers. Money comes in from four places and goes out in a hundred directions. VRITTI shows every stream in one place, works out the tax part of each payment as an estimate, and shows you what's yours before you spend it.
Revenue by stream + Ask VRITTI + invoicing
Early access feedback
The people we built it with.
Based on user interviews with the anxious, the avoidant, and the starting-over. Names changed. Feelings intact. If any of these sound like you, VRITTI is already waiting.
We stopped having money fights. Not because we have more of it — because we finally share a language.
M
Michael & Priya T.
Couple · Toronto
Every other finance app made me feel worse. VRITTI met me at the floor and helped me breathe.
A
Alex R.
Crisis survivor · Calgary
Wave shut down and I panicked. VRITTI is the first tool that actually gets why my money is emotional.
J
Jordan K.
Freelancer · Montreal
I was 27 and terrified of my bank balance. Now I actually understand where my money goes — and why.
E
Emma L.
Young professional · Ottawa
VRITTI is the first app I’ve seen that takes financial shame seriously. Long overdue, honestly.
R
Dr. Ravi K.
Financial psychologist · Advisor
Pricing
If you're in crisis, it's free. Forever.
Simple, honest pricing. No surprise charges. No payment until Pro opens.
Free
$0forever
No credit card. Never.
40 transactions a month
Real-time P&L · 30-day history
1 connected account (statement import)
First 5 Academy lessons
5 AI questions a day
1 receipt scan a month
All crisis challenges
Pro
Early bird$9.99
/month CADor $89.99/yr
Reserve now — locked in when Pro opens
Unlimited transactions & all-time history
Generous daily AI limit
All 16 Academy modules (80 lessons)
Unlimited accounts & statement imports
Unlimited receipt scanning & invoicing
Accountant sharing & CRA-ready tax exports
All 40+ reports & mileage log
No payment today · We'll email you the moment Pro opens.
Statement imports included. Always. CSV export free. Always. Your data exportable. Always. Coming from Wave? →
FAQ · A conversation, not a knowledge base
The questions you were already asking.
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 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. We ask 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.
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 Canadian tax built in (federal, provincial, GST/HST/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 $89.99/year. VRITTI replaces "broken streak" guilt mechanics with a streak that pauses but never breaks.
your starting point is valid
Finally safe
to look.
Get early access before public launch. The free tier is generous enough that you might never need to pay.
No spam · no dark patterns · just VRITTI when it’s ready.
VRITTI
Financial wellness
New· Early access · Free
Side by side
VRITTI vs. other finance apps.
How VRITTI compares to Mint, YNAB, Monarch, Copilot, and Wave across the things that actually matter for people with money anxiety.
| Feature | VRITTITHIS | Mint | YNAB | Monarch | Copilot | Wave |
|---|---|---|---|---|---|---|
| Free tier | Free forever | Discontinued 2024 | 34-day trial | No | 15-day trial | Free |
| Paid tier | $9.99 CAD/mo · $89.99/yr | — | $14.99 USD | $14.99 USD | $13.00 USD | $16 USD bank imports |
| Emotional onboarding | Yes | — | — | — | — | — |
| Crisis mode (free forever) | Yes | — | — | — | — | — |
| Shame-free framing | Yes | — | — | — | — | — |
| Couples content | Challenges + lessons | — | Limited | Shared space | — | — |
| Financial Academy (lessons) | 16 modules · 80 | — | Some tutorials | Some articles | Daily digest | — |
| AI financial insights | Yes | — | — | Yes | Yes | — |
| Canadian (HST / GST / CRA) | Yes | — | — | — | — | Yes |
| iOS | Yes | Yes | Yes | Yes | Yes | Yes |
| Android | Planned | Yes | Yes | Yes | — | Yes |
| Built specifically for anxiety | Yes | — | — | — | — | — |
| Status in 2026 | Pre-launch | Shut down Mar 2024 | Active | Active | Active | Paywalled bank imports 2024 |
Pricing as of June 2026. Mint was discontinued by Intuit on March 23, 2024. Wave paywalled bank imports in January 2024. VRITTI pricing reflects the early-bird Pro tier; the free tier is free forever.
Definitions
A small vocabulary.
The language VRITTI uses matters. If any of these definitions feel like relief, the product is probably for you.
- Financial wellness
- A person’s overall relationship with money — not just their balance. Includes emotional safety, clarity, confidence, and the ability to make financial decisions without shame or avoidance.
- Money anxiety
- A persistent feeling of fear, dread, or shame tied to money. Distinct from poverty: it can affect anyone, regardless of income. An estimated 80% of North American adults report regular financial anxiety.
- Financial shame
- The belief that your financial situation reflects your worth as a person. It drives avoidance behaviour (not opening the bank app, skipping statements) and keeps people stuck.
- Emotional onboarding
- A VRITTI-pioneered approach where the app asks about emotional state — not numbers — as the first question. The answer personalises every subsequent feature: which challenges appear, what the AI says, what success means.
- Crisis mode
- A dedicated path for people whose monthly expenses exceed their income. VRITTI’s crisis mode stays free forever, offers one-day challenges, and replaces "budget" language with "build your floor" framing.
- Shame-free budgeting
- A budgeting approach that rejects guilt-based mechanics (broken streaks, red numbers, comparison scores) in favour of progress-based ones (your streak pauses, it never breaks).
From the blog
The financial education you never got.
Guides on financial wellness, money anxiety, freelancer finance, and yes — also HST. Written for real people.