Money, finally clear.

Every account, totaled. Updated daily. In plain English.

See yours in 60 secondsSign in
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
Stop guessing

You don't need another budgeting app.

What you're doing now
  • Check 4–7 bank apps every week
  • Mental math in your head
  • Don't actually know your net worth
  • A spreadsheet that's always out of date
What other apps want
  • Categorize every transaction
  • Build a budget with envelopes
  • Track every single dollar
  • Become a finance person
What Vigilance does
  • Your real net worth, in one number
  • A 30-second daily check-in
  • A heads-up when something needs your eyes
  • You don't have to change who you are
How it works

Three steps. Built to last.

01

Connect your banks

Bank accounts, credit cards, mortgages, investments. Vigilance pulls balances automatically through Plaid (the bank-connection service trusted by 12,000+ banks). Read-only, sign-in details never touch our servers.

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 when it looks good, up when something needs another look. 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

Worst-cost debt. Credit utilization near bill close. Mortgage renewal windows. 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
Your Visa is 78% full and the bill cuts in 4 days. Paying $2,400 by Tuesday keeps you under 30% — which protects your credit score.
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 is row-isolated in our database — your account, your data, your view. Export, delete, or take it elsewhere 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.

See yours in 60 seconds
Plaid-securedEncrypted at restRead-only. We never move your money.