No transfer, no payment, no purchase. The bank authorization asked for is read-only: writing is impossible in either direction.
Budgeting and investing, from your first paycheque
All your money.
Budget, savings, debt and investments, gathered into one clear statement. Read-only: Yoseri sees your accounts, it cannot touch your money.
Read-only, always
Hosted in Canada
No ads, nothing sold on
Read-only
Yoseri cannot move a single dollar. That is a technical limit, not a promise.
Nothing made up
Stale data is shown as stale. Never guessed, never smoothed over.
Free with manual entry
The whole budget, with no bank credentials. Only the syncing is paid for.
Nothing to sell
No ads, no commission, no financial product recommended.
One statement
Four moves. One app.
Budget, see where the money goes, invest, plan ahead. Everything else follows from that — and each part has its own page.
Budget
What is left this month, worked out for real, after your scheduled outflows.
Explore Accounts and net worthEverything you own, everything you owe — one number, with its date.
Explore SubscriptionsThe charges that lie dormant and the price rises that slip past.
Explore Savings and goalsA rule per paycheque, dated goals, a cushion that fills up.
Explore InvestmentsStocks, crypto and property — with live prices alongside.
Explore DebtThe repayment order that costs the least, worked out in numbers.
Explore Plan aheadRetirement, tax and estate, projected on your own numbers.
Explore
One account, four universes
Your life does not run on one single budget.
Home, your business, the two of you, the flat-share. Each gets its own space, its own figures and its own people — inside the same app, without ever mixing.
YoseriAt home
Yoseri ProYour business
Yoseri ShareFor two or several
Yoseri NewsWhat we publish
Invest
Live prices, with the model’s confidence beside them.
Yoseri recommends nothing. It shows the gap between the market price and its model — and says every time whether its confidence is high, medium or low.
Crypto · gaps spottedLive
Bitcoin
Above your average cost
Low +33 %
BTC rebalance
Weight 60% vs 50% target
High +10 pts
Ethereum
Below your average cost
Medium −4%Price: median of three platforms, refreshed every 15 minutes. Never a buy signal.
Three asset classesStocks and ETFs, crypto, property — each with its own model.
The same tools everywhereMonte-Carlo, correlation, stress tests, real fees, best price.
A ceiling, never adviceEvery gap carries a ceiling not to exceed if you go in. Nothing more.
Findings
A finding is not advice. And it stops where Yoseri stops knowing.
A finding always carries three things: the transactions behind it, the period they were observed over, and the total that follows — here, $756 a year.
Then Yoseri stops and asks you a question: do you use them?
- Every finding cites its period, its transactions and its confidence
- Nine findings this month, not a running feed of notifications
- No product recommended, no referral commission
Finding · not advice
Two recurring charges totalling $62.98 a month have run for eleven months, which is $756 a year. No other transaction appears at those two merchants over the whole period.
Confidence
Observed over 11 months
Do you use them?
2 to confirmDowntown Gym
No entry for 3 months · charged on the 1st
$49.99Cloud 2 TB
$3.00 rise in March · charged on the 8th
$12.99A tool that claimed “you do not use them” would be inventing data it does not have. That is exactly what Yoseri forbids itself — even when the inference looks obvious.
And at most one a day as a notification. A running feed of alerts ends up meaning nothing — that is a setting, not an opinion.
Principles
What Yoseri forbids itself.
Financial apps make promises. Yoseri would rather refuse — and every refusal below is a verifiable technical limit, not a marketing clause.
A bank that stopped answering, yesterday’s balance, an estimated figure: it is written as such. Never smoothed, never guessed.
You sign in at your bank, in its own window. Yoseri receives a revocable token — never your password.
Not to an advertiser, not to a data broker, not to an institution. Yoseri lives off its subscription, off nothing else.
No product recommended, no referral commission. A finding cites its sources; the decision is yours.
Yoseri sees a charge, never the use. Until you have answered “do you use it?”, nothing counts anywhere.
Security
The part that matters, in black and white.
The authorization screen is the longest in the flow — on purpose. The Security page takes up every claim it makes, with its proof.
Encryption
AES-256 · TLS 1.3At rest and in transit, with no exception and no option.
Hosting
CanadaYour servers are in Canada and your data is subject to Canadian law there, wherever you live.
Revocation
Immediate, in two movesFull erasure within 30 days of revocation.
Bank credentials
Never seen, never storedEntered at your institution, in its own window.
Export
Always availableAll your data, as CSV, free, for life.
Access
2FA and Face IDTwo-step verification, an access log you can read.
Pricing
Free is not a crippled version.
Manual entry gives you exactly the same budget, the same calendar and the same debts. What you pay for is never having to type anything again.
Statement
$0Unlimited manual entry, envelopes, calendar, debts, goals. For life, with no card.
Yoseri
$8.99Automatic connection, three investment classes, savings rule, findings. 50% off the first month.
Yoseri+
$17.99Monte-Carlo, capital ceilings, fee comparison across platforms, tax exports.
Straight answers
What you are actually wondering.
Can Yoseri touch my money?
No — and not out of courtesy: by construction. The authorization asked of your bank is read-only. No transfer, no payment, no change is technically possible, in any direction.
Can I start without connecting my bank?
Yes, and it is the default. Bank credentials are optional: the four-minute flow asks for none, and you see your preview statement — $1,210 estimated left, your budget in four blocks, your first finding — before you even create an account.
Does Yoseri work with my bank?
The automatic connection covers 38 institutions, and that is the paid plan. It opens in Canada and the United States on 1 October; France and the United Kingdom are aimed for the 1 December launch. If your bank is not there — or if your country is not wired yet — nothing is blocked: manual entry and CSV statement imports give the same budget, the same calendar and the same debts, free.
Is it really free with no card?
Yes. The Statement plan requires neither a card nor bank credentials, and it is not a demo: budget, envelopes, calendar, debts and goals are all complete in it.
Does Yoseri give financial advice?
No. Yoseri produces findings: calculations on your own data, with their period, their transactions and their level of confidence.
Keep looking around
How it works
All four steps in full, the authorization screen word for word, and what happens when a connection breaks.
See the flow SecurityThree read-only connections, no credential kept, a 2,461-line export and limits written in black and white.
See security Pricing$0, $8.99 or $17.99 a month. What each plan contains, and what you keep if you leave.
See the plansFour minutes. Zero credentials required.
Answer four questions and see your first statement before you even create an account. You can stop at any step.
If you leave before creating an account, nothing is left behind: your answers live on your device.