Everything Yoseri does. Nothing it pretends to.

Day to day

Your statement on the home screen — balance, money in, money out, left to spend. An expense entered in three moves, one-tap templates, recurrences that repeat on their own, cash handled honestly, a calendar of the next fourteen days, the week and the year at a glance, and an action that can always be undone.

Accounts and net worth

Accounts with their institution, cards with their due date, net worth computed as assets minus debt. Internal transfers cancelled out, foreign-currency accounts kept in their currency, balance history, reconciliation of double-counted purchases, your possessions and your car, and money you lent tracked to the dollar.

Budget

Seven envelopes with caps set on your medians, what is left this month computed after scheduled outflows, carry-over, smoothed annual provisions, the annual budget, where and when you spend, two periods compared, expected reimbursements, splitting a transaction, classification rules, and a to-classify queue that never decides for you.

Receipts and documents

A receipt read on your device — amount, merchant, date, envelope pre-filled — the price of your groceries item by item, and folders that tie the lease and the insurance to what they cost, with their due dates watched.

Statements and imports

A statement — PDF, photo, text — read on your device with nothing sent to a server, included in the free plan without limits. Multi-month CSV, OFX and QIF through the dedicated import: columns detected, duplicates flagged, history in from day one.

Search

One field that digs through your real transactions — merchant, note, amount, item — knows your most frequent merchants with their totals, recognises a question asked in plain words, and saves the searches you reuse. Every answer unfolds into its lines.

Subscriptions and income

Recurring charges detected with their monthly and yearly totals, price rises caught the month they slip through, the subscription you stopped using, cancellation kept on record — and your income sources tracked pay by pay, irregular ones included.

Savings and goals

A savings rule triggered on every payday, a safety cushion measured in months of spending, dated goals with the gap to each one, and ways to save computed from your own history — never from someone else’s average.

Investments

Stocks and ETFs, crypto, property, guaranteed products and private markets in one consolidated view: performance, real fees, exposure and limits, dividends, sectors and regions, currency exposure, correlation, rebalancing, stress scenarios, Monte-Carlo, a watchlist, latent gains and losses — findings, never a recommendation.

Debt

Every debt with its rate and end date, the share of each payment that actually repays principal, a costed order of attack, the amortisation table, mortgage renewal compared offer against offer, and your credit file read without drama.

Planning ahead

Retirement income projected, public plans counted, drawdown scenarios, unused room in your tax shelters — TFSA, RRSP, FHSA, RESP — insurance and beneficiaries in one place, tax season prepared, and “what if” simulations on your own numbers.

The universes

Yoseri Pro for the business — invoices, cash flow, provisions. Share for the flat-share and the trip — a fair tally, free to join. Duo for the household — two full accounts, an income-proportional key. And News, the newsroom — journalism, not advice.

Account and security

Two-step verification, connected devices listed, every access dated with the button that revokes it, personalised alerts, offline mode that keeps working, a full export of your data whenever you ask — and read-only, always: Yoseri can see, never touch.

Where you live

Canadian dollars by default, Québec’s and Canada’s real institutions and tax rules — TFSA room, QPP, GST + QST — your region taken into account, trips kept in their currency, and an interface in French, English and Spanish that says the same thing in all three.