Manual entry gives the same budget, the same calendar and the same debt plan as the paid plan. What you pay for is not having to type anything.
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.
One thing alone separates the first from the second: who fills in your statement. The rest is identical.
Every amount on this page is in Canadian dollars. Yoseri bills in CAD; prices for other markets will be published when those markets open, not before.
Manual entry, no banking credentials
0 $
Free for life · no card
No more typing — everything syncs
8.99 $ / month
50% for beta testers · $4.50 / month
To go deep into your investments
17.99 $ / month
50% for beta testers · $8.99 / month
PRICE SHOWN
8,99 $the Yoseri plan, before taxesTAXES
Extraitemised on the receipt, never blended inOVER A YEAR
95,88 $before taxes, no commitmentPRIVATE BETA
October 150 seats, then 300 on 1 NovemberNo security feature is paid for. Revocation, deletion, full export and read-only stay free, for life, in all three plans. There is no “security” tier.
The table below is the app’s own, row for row. Six features are in all three plans, four open up with syncing, three are reserved for Yoseri+ — and the fourteenth is never paid for.
Feature by feature
14 rows| Feature | Statement | Yoseri | Yoseri+ |
|---|---|---|---|
| Unlimited manual entry | ✓ | ✓ | ✓ |
| Templates and recurrences | ✓ | ✓ | ✓ |
| CSV statement import | ✓ | ✓ | ✓ |
| Envelopes and calendar | ✓ | ✓ | ✓ |
| Debts and goals | ✓ | ✓ | ✓ |
| Household and sharing | ✓ | ✓ | ✓ |
| Automatic bank connection | — | ✓ | ✓ |
| Three investment classes | — | ✓ | ✓ |
| Automatic savings rule | — | ✓ | ✓ |
| AI findings | — | ✓ | ✓ |
| Monte Carlo and caps | — | — | ✓ |
| Best price across platforms | — | — | ✓ |
| Tax exports | — | — | ✓ |
| Revocation, deletion, export of your data | ✓ | ✓ | ✓ |
The first six rows cover the whole day-to-day budget. They are free in all three plans — that is what “free is not a limited version” means.
IN ALL THREE
7 rowsincluding revocation and exportWITH SYNCING
4 rowsfrom $8.99 a monthTOP PLAN
3 rowsall on the investments sideNEVER PAID FOR
0 $the whole security rowThis is not a commercial choice dressed up as generosity. The moment you connect a bank, someone sends Yoseri a bill.
In Jules’s case, three institutions are connected — Desjardins, National Bank and their broker — and the authorisation allows that data to be refreshed four times a day, for as long as they have not revoked access.
Connection health
All workingINSTITUTIONS
38PER DAY
4×HISTORY
24 monthsChequing and savings
12 min agoCard ··0088
41 min agoStocks and ETFs
2 h agoThree connections × four refreshes × 365 days = 4,380 reads a year. It is the only cost item the free plan never triggers.
Why free holds up
No credentials, no calls, no invoiceWith manual entry, Yoseri asks for no banking credentials and contacts no aggregator.
What the subscription pays for
4,380 reads, 24 months of history, 9 findingsAnd a person at the other end: support answers within one business day, with an average of four business hours, in French and English.
What it gave Jules
$756 a year on their first findingTwo recurring charges totalling $62.98 a month, active for eleven months.
Some things no plan unlocks, and others no cancellation takes away. Both lists are short and they do not move.
Revocation, deletion, full export and read-only are in all three plans. There is no “security” tier, no “enhanced privacy” option, nothing to tick for a surcharge.
No transfer, no payment, no purchase, at $0 as at $17.99 a month. It is the authorisation requested from your bank that forbids it technically, not a setting a subscription could open.
Yoseri produces findings — nine this month. Each carries its period, its sources and its confidence level. Paying more does not buy a recommendation: it opens up calculations, not opinions.
No institution can pay to appear among the 38 connections, or to be better placed in a comparator. Yoseri receives no commission from any player it displays.
Unlimited manual entry, the eight templates, the seven envelopes, the calendar and the repayment plan. With no card on file and no banking credentials: it is the most private mode in the app.
The full export: 2,461 rows, 6 files, 1.2 MB, sent by email with a link valid for 24 hours and protected by your password.
No price on this page is a ballpark: these are the exact amounts you will pay, plus taxes. And what Yoseri does not know, the Security page says. Read the limits we own up to
The plan shown in the app is the one the server bills. Being on the free plan and being charged at the same time is impossible by construction — not thanks to somebody’s vigilance.
The billing screen of a free account fits on two lines, and they say the same thing: charged to date, $0.00; payment method, none.
Your plan · Statement
Free0.00 $ charged to date
Unlimited manual entry · 34 transactions this month
Statement · active
0 $No card on file
Nothing to chargeEight saved shortcuts
71 %Prices in Canadian dollars, before taxes; GST and QST are added on the receipt for the paid plans. On the free plan there is no receipt, because there is no charge.
One state
Impossible to be free and chargedThere are not two truths — one in the app, one at the provider.
Taxes
The price shown is before taxes$8.99 is the price of the plan.
Receipts
By email, on every chargeOn by default.
A thirty-day trial would have promised twice over what the Statement plan already gives — the same budget, the same envelopes, the same debt plan, for life and with no card. <b>What you pay for is never typing anything again.</b> The first month of that is half price.
Envelopes, calendar, debt plan, goals. No card, no time limit: the Statement plan never stops.
$0, for lifeNothing starts before your access arrives: 1 October for the private beta, 1 November for the public one.
Before openingSyncing four times a day, the three investment classes, the savings rule tracked and the sourced findings. The first month is half price.
$4.50 the first month$8.99 a month, no commitment — unless you are on the waiting list: the first 350 keep $4.50 for as long as their subscription runs. You can go back to Statement whenever you like: nothing is lost, manual entry picks up where syncing left off.
$8.99 — or $4.50 for beta testers“Here is only what you should know first” — that is the exact wording of the screen, and it is followed by four lines, not four screens. No retention offer appears after the button.
The next charge is cancelled and the pro rata refund goes out the same day — $4.79 in Jules’s case: 18 unused days of the cycle, out of 30. You do not pay for the days you will not use.
What happens if you cancel on the 12th
Cancellation| Step | When |
|---|---|
| Charge cancelled | Immediate |
| Pro rata refund | 4,79 $ |
| Access to paid Yoseri | Until you cancel, on the 12th |
| Switch to the Statement plan | Automatic |
If you ever come back, your history waits intact for 12 months — with no re-import, no starting from scratch.
If you come back
Your history waits 12 monthsIntact.
If you delete
Everything is gone within 30 daysIt is the same rule as banking revocation: revoking access is immediate, erasing the data takes up to 30 days.
Before you go
2,461 rows, 6 files, 1.2 MBThe export goes out by email with a link valid for 24 hours, protected by your password.
The six questions that come up most, with the answers we would give on the phone.
Because it really does cost money. Yoseri lives on its subscription and nothing else: no advertising, no commission, no data sold on.
Manual entry triggers no invoice: no credentials requested, no aggregator called. It is not a lure to keep going for a year, it is the cheapest mode to run in the whole app.
$8.99 is the price of the plan before taxes. The applicable taxes are added to the charge, and they depend on where you live.
You switch automatically to the Statement plan. You keep accounts, budget, envelopes, debts and your whole history, including the 24 months imported during the subscription.
Only if you track investments. Four of the six families are identical at $8.99 and at $17.99: Accounts, Budget, Savings and Debt.
One month free for you and one for the person referred, only after 30 days of real use on their part. Signing up pays nothing, and neither does connecting a bank.
Keep looking around
Four steps, eleven settings, and you can stop at any of them. Banking credentials stay optional.
See the walkthrough SecurityRead-only, credentials never seen, immediate revocation, erasure within 30 days — and the limits we own up to.
See security Subscriptions$756 a year was sleeping in two charges of $62.98. Yoseri sees the charge, never the use — so it asks the question.
See the subscriptionsFour minutes, no banking credentials required, and you can stop at any step.
If you leave before creating an account, nothing is left: your answers live on your device.