Watch your money.
Or watch it drift.

A 30-second daily ritual against financial drift. Built for people who've outgrown spreadsheets but don't need another budgeting app.

Checking in
3 of 8
Mercury
$42,180
+$1,200 today
Swipe right to acknowledge
30 seconds
daily check-in
4 currencies
USD · CAD · EUR · PYG
6 expert lenses
growing weekly
How it works

Three steps. Built to last.

01

Add your accounts

Bank, credit cards, investments, crypto, loans. Connect via Plaid or add manually. Multi-currency from day one.

New account
Add account
Type
Bank account
Name
Scotiabank
Subtitle
Business · Chequing
Balance
28,400.00
CCY
CAD
Add account
02

Check in daily, 30 seconds

One card per account. Swipe right to acknowledge, up to flag. Your awareness streak builds. The ritual is the product.

Account 5 / 8
47days
Scotiabank
C$28,400
+$1,840 since yesterday
↑ Flag→ Acknowledge
03

Catch what experts catch

Mortgage windows. Debt math. Credit utilization. Tax residency days. Surfaced when it matters, not after.

Pay attention
Visa hits 78% utilization in 4 days. Pay $2,400 by Tuesday.
Opportunity
$48K earning 0.4% in TD checking. EQ Bank HISA at 4.25% = ~$1,840/yr extra.
Strategic
Cash position 31% of net worth. STR-operator benchmark: 15–20%. Over-reserving.

“Finance is like your widow.
Ignore her, and she comes back to bite you.

The thesis
The moat

What financial experts see.
Surfaced for you.

Most people don't have a CFO. Vigilance is that lens — templated rules plus Claude composing the explanation in plain English.

Pay attention
H-001
Your car loan at 6.49% is your worst-weighted debt. Paying it off = ~6.49% guaranteed return vs Duvelt's 9.6% market risk. Pay this before adding to investments.
Pay attention
H-002
Visa hits 78% utilization in 4 days at statement close. Pay $2,400 by Tuesday to keep under 30% — preserves credit score for upcoming credit needs.
Opportunity
H-101
Bank of Canada cut 25bps. Your mortgage renews in 14 months at 5.49%. Major banks now offer 4.79% 3-year fixed. Start shopping — could save ~$8,200/yr.
The rituals

Most people review yearly.
You review every 30 days.

Sunday Reckoning
10 minutes, every Sunday.

Net worth chart. Biggest movers. Payments incoming. One reflection prompt. Daily swiping prevents drift, weekly reckoning prevents strategic blindness.

Monthly Close
20 minutes, last day of the month.

Full waterfall. Wins. Drags. The annual report for yourself, every 30 days. Over a decade, that's the difference between coasting and compounding.

Trust

Your data. Your control.

Bank connections via Plaid. Read-only. Account numbers and credentials never touch our servers.

Your financial data lives in a Supabase project we provision for you. You control the keys. Export, delete, or move it at any time.

We're new. No fake user counts, no logo carousels. Vigilance is a tool we built for ourselves first.

Start your awareness streak.

30 seconds a day. Forever.