All you own, all you owe.
All your accounts in one app. Banks, cards, cash, investments, assets — and your net worth, computed as assets minus debt.
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Status on August 30, 2026 — Yoseri is not open yet. This page previews a product under construction. The screens show one worked example: every amount on them comes from it, none from a real user. The private beta opens on October 1: join the waiting list.
$115,079.90 is what is left once everything you owe is subtracted.
It is not the sum of your accounts. It is $342,520 in assets minus $227,441 in debt — one figure, four lines on one side, four on the other.
Your property carries 81.7% of your assets. Your accounts, 3.6%.
That is the first thing the bar shows: what you own is highly concentrated, and very illiquid.
- Four asset lines, four debts, no averages
- View over 1 month, 6 months, 1 year or since the start
- Every asset carries its valuation date, never a value without a source
Net worth
+2.0% this month115 079,90 $
+$2,238 this month · assets minus debt
On the liabilities side: −$227,441 — mortgage $211,600, car loan $8,400, student loan $6,200, credit card $1,240.60. Weighted average rate: 2.8%.
SAVINGS RATE · THIS MONTH
18,4 %$800 of the $4,350 receivedLEFT THIS MONTH
640 $scheduled outflows deductedDEBT
$227kfour debts · 4.9% weightedCUSHION
2.0 monthsof spending coveredINCOME
4 350 $+2.4% vs last monthSPENDING
2 106 $+5.1% vs last monthSAVED
800 $flat$12,480.20 spread across three accounts and two institutions.
A chequing and a savings account at Desjardins, a credit card at National Bank. Yoseri adds the three the right way round — the card is subtracted — and shows, beside each balance, the exact moment it was read.
$4,210.20 in the account. $4,050.20 you can actually spend.
The gap is $160 of pending transactions: purchases made and authorised, but not yet posted by the bank. Most apps show the book balance and let you discover the difference three days later.
- Money in, money out and net balance for the month, account by account
- Filters: outflows, inflows, to be sorted, recurring
- Low point of the month flagged — on the 28th, when your card is debited
Accounts gathered
3 accounts · 2 institutions12 480,20 $
In this month $4,350 · out $2,106 · net balance +$2,244
IN THIS MONTH
4 350 $OUT
2 106 $NET BALANCE
+2 244 $
Chequing ••4192Desjardins · available $4,050.20
4 210,20 $Savings ••7730Desjardins · 2.10%
8 270,00 $
Credit card ••0088National Bank · due on the 28th
−$1,240.60Your balance hits its low on the 26th. That is two days before your card.
Chequing ••4192 · 30 days
34 transactionsIN
3 200 $OUT
1 806 $TRANSACTIONS
34LARGEST
1 250 $Groceries · Saturday, August 15, 6:42 p.m.
−$86.40Transport · August 15, 8:12 a.m.
−$62.10Subscription · August 14
−$11.99To be sorted · August 13, 12:30 p.m.
−$45.00Housing · August 1
−$1,250.00Salary · July 30
+3 200,00 $You still have 18 transactions to sort, about three minutes' work. Yoseri does not guess the envelope for an “INTERAC PAYMENT 4471”: it asks you, and the line stays amber until you answer.
Connection health
Desjardins 12 min agoEvery institution shows the time of its last successful read: Desjardins 12 minutes ago, National Bank 41 minutes ago, your broker 2 hours ago.
Institutions
38 available · 4 reads a dayBanks, credit unions, cards and brokers, each with its own status — steady, slow, connected.
History
24 months importedThe chequing account has been open since March 2019; Yoseri pulled back 24 months of it.
Your chequing account spent eleven months above $1,840 — with a single dip: −$84, on February 6.
That floor holds whatever period you pick. It is a dormant balance: it does no work, and it is worth nothing in an account paying 0.05%.
Dormant balance
$1,840 that never movesThe chequing account swung between $312 and $5,940 over twelve months, averaging $2,840.
Overdrafts
2 overdrafts, $96 in feesOn February 6, −$84: the rent you were owed landed on the 14th.
Return on your cash
$142 of interest over twelve monthsChequing at 0.05%, savings at 2.10%.
When the bank stops answering, Yoseri tells you before showing you a figure.
Freshness belongs to each account, not to the app: the two Desjardins accounts stay current while the National Bank card goes stale.
Two accounts read 12 minutes ago. A third frozen since 10:10 p.m. yesterday.
The total stays on screen — $12,480.20 — but it is labelled value possibly stale, with its last reliable value and time.
- The last reliable value, with its exact timestamp
- A button to retry the connection, never a silent new attempt
- Offline, your statement shows exactly as it stood at the last sync
Accounts
Value possibly staleNational Bank has not answered since 10:10 p.m. yesterday. The amounts below date from that moment.
12 480,20 $
Last reliable value: 10:10 p.m. yesterday
Chequing ••4192Current · synced 12 min ago
4 210,20 $Savings ••7730Current · synced 12 min ago
8 270,00 $Credit card ••0088Stale · since 10:10 p.m. yesterday
−$1,240.60Yoseri never shows an amount as current when it is not.
Connection refused
AUTH_REJECTED · August 16, 9:41 a.m.The bank refused the authentication.
Offline
Your statement as of 3 h 12 agoWith no network, the app does not pretend to load.
Revocation
3 connections cut, history keptYou can cut every banking connection in one action: Desjardins (2 accounts), National Bank (1 card), broker (3 funds).
The National Bank card has not synced since August 19 at 10:10 p.m.: the institution changed its authentication mechanism that day.
cartes | One figure for everything you own and everything you owe.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
Three cards, $9,000 of limit, 14% used — and one card at 31%.
The average says nothing: what weighs on your credit file is the utilisation rate card by card. The ••0088 shows $1,240 of $4,000, or 31%.
One point above 30%, and the calculation switches sides.
Credit utilisation is the second factor in your credit file. Below 30% it does not penalise you; above, it weighs.
- Balance, limit and utilisation rate for each card
- ATM withdrawals tracked: $100 this month, $6 in fees
- Dormant prepaid card flagged — 2.5% foreign exchange fee, last used in March
Your cards
31% on the ••0088CARDS
3TOTAL LIMIT
9 000 $USED
14 %Desjardins chequing · $100 withdrawn this month
$6.00 in feesLast used in March · 2.5% exchange fee
0,00 $Above 30%, utilisation weighs on your credit file. Payment due on the 28th.
What your cards cost you this year
Net −$236.20| Item | This year |
|---|---|
| Card interest | 248,00 $ |
| Annual fees | 0,00 $ |
| ATM fees | 72,00 $ |
| Foreign exchange fees | 44,20 $ |
| Total paid | 364,20 $ |
| Points or cash back received | 128,00 $ |
| Net | −$236.20 |
The $128 of points is real. It does not offset the $364.20 paid alongside — it is the subtraction, not the rewards programme, that says whether a card serves you.
$294,200 of non-financial assets, or 86% of what you own.
A financed asset has to appear in both places: the loan as a liability, the asset as an asset. Counting it on one side only distorts net worth — that was the case with your car until now.
$68,400 on the home, $5,800 on the vehicle.
Equity is the value minus what you owe on it. The home bought for $248,000 in 2022 is worth $280,000, less a $211,600 mortgage: $68,400 yours.
- Price paid, year of purchase and loan outstanding on every asset
- Home revalued every six months, vehicle recalculated every month
- Revaluation reminder every six months
Non-financial assets
86% of your assets294 200,00 $
Last revalued in July
Bought for $248,000 in 2022 · mortgage $211,600
280 000 $Bought for $22,400 in 2023 · loan $8,400
14 200 $EQUITY · HOME
68 400 $EQUITY · VEHICLE
5 800 $TOTAL EQUITY
74 200 $An estimated value is not a realised value. Yoseri shows the source and the date of every estimate rather than passing an assumption off as a fact.
KILOMETRES PER YEAR
11 400estimate, adjustableCOST PER KILOMETRE
0,60 $all costs includedBUSINESS SHARE
18 %declared by youPOTENTIAL DEDUCTION
1 234 $arithmetic, not tax adviceDepreciation
−36.6% in three years$22,400 paid in 2023, $14,200 today, or −$228 a month.
What Yoseri does not count
Furniture and clothes: not countedAn asset that is hard to resell, or whose value is uncertain, inflates net worth without changing anything you could actually draw on.
Business and personal
$1,020 of deductible expenses spottedYour $6,480 of business income over twelve months goes through the same account as your groceries — 97% personal, 3% business.
Three questions people ask us before connecting an account.
The answers are short because the rules are.
Can Yoseri move money between my accounts?
No. Access is read-only.
What do I see if my bank goes down?
The last reliable value, with its time. When National Bank stopped answering at 10:10 p.m., the card stayed on screen at −$1,240.60, marked stale · since 10:10 p.m. yesterday, and the total carried the note “value possibly stale”.
Why does my car appear as both an asset and a liability?
Because it is both. The vehicle is worth $14,200 as an asset, the $8,400 loan outstanding sits as a liability, and your real equity is $5,800.
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
Your car does not cost you $289 a month
The loan instalment is the visible half. Counting depreciation and interest, the real cost reaches $525 a month — of which $221 you never see go past.
· 7 min The GlossaryNet worth
What you own minus what you owe. The one figure that sums up a financial position in a single number — provided you count both sides.
· 1 minKeep looking around
What is really left this month: $640, scheduled outflows deducted, across seven envelopes.
See the budget Debt$227,440.60 spread across four debts. Of every $1,342 payment, $771 goes to interest.
See the debt SecurityYour credentials are entered at your institution, in its own window. Yoseri never sees them.
See securityYour net worth, as one dated figure.
Connect an institution or type your balances in by hand: either way, every amount carries its date and its source. When Yoseri does not know, it says so.
Read-only, always. Free with manual entry, no banking credentials.