Four things only Orbiq does for you
The four that decide whether Orbiq is built for you. Everything else is on the features page →
Every currency you live in, one honest ledger
See your whole financial life in a single view, with the exchange rate captured at the moment each transaction happened — not a blurry today's-rate guess. Flip the Currency Lens to read everything in your home currency, the original, or any currency you choose.
15 currencies today — CAD, USD, INR, GBP, EUR, AUD, NZD, BRL, SGD, HKD, CHF, SEK, NOK, DKK, PLN — and this is just the beginning. We're adding more, so the currencies you live in will be here too.
No bank connection? Import a screenshot.
Snap your banking app, drop in a PDF statement, CSV, XLSX or an OFX export — and Orbiq reads it, including the Indian transaction codes (TDS, WTax, SIP, dividends) other tools choke on. You can run Orbiq fully on an Indian bank no aggregator supports — first transactions in under a minute.
This is the Day-1 "aha": no aggregator gate, whatever bank and country you are with. Password-protected PDFs unlock on your device — the password never leaves your browser.
Talk to your money in plain language
Ask in your own words and get a grounded, currency-aware answer in seconds. Multi-turn — ask a follow-up and it remembers what "that" meant. It runs the numbers on your own data and narrates only the result. Two tones: Classic for straight answers, Roast for when your latte habit needs humbling.
It's also where the cross-border tax helpers live — the summaries other budgeting apps have no concept of.
Privacy: the model receives your question as you typed it plus totals computed on your data, never a transaction description or account number. It never authors queries against your raw rows, and our AI provider does not store or train on what it receives.
Remittances, not mystery expenses
Orbiq knows when money leaves the country. "I sent ₹80,000 home" shows up as a remittance — flagged automatically by a waterfall of merchant, currency-mismatch, and pattern checks, with transfer legs paired so nothing double-counts.
The international transfers other apps file as random expenses, Orbiq names for what they actually are.
How Orbiq stacks up
Five seconds to see whether your need is structurally unmet by the big zero-based budgeter or the indie tracker. The rows where they beat us are left in. Sourced write-ups: vs YNAB, vs Lunch Money.
| Capability | Orbiq | Zero-based budgeter | Indie tracker |
|---|---|---|---|
| Multi-currency ledger | ✅15 currencies, more-to-come | ❌single-currency | ⚠️ supports multi-currency balances, but flattens tracking via daily mid-market rates without corridor tracking |
| Per-transaction FX rate captured at import | ✅ | ❌ | ❌ |
| Live currency lens (home / original / any) | ✅ | ❌ | ❌ |
| Cross-border / remittance detection | ✅waterfall + transfer pairing | ❌ | ❌ |
| Natural-language assistant over your data | ✅Ask Orbiq | ❌ | ❌ |
| Cross-border tax helpers (T1135, taxable income, FX gains) | ✅ | ❌ | ❌ |
| Bank auto-sync (native, one bill) | ⚠️Canada / US only, on Connect | ✅ | ✅ |
| Bank auto-sync (bring your own key) | ✅40+ countries through your own LunchFlow account — separate signup, billed separately by LunchFlow | — | — |
Privacy by requirement, not afterthought
Concrete, verifiable claims only — each one traceable to a shipped mechanism. The documents behind them are published in full: processing record, data classification, AI impact assessment, vendor reviews.
- ✓No bank aggregator in the loop. By default your data goes straight from your device to your dashboard.
- ✓Bank linking is read-only. Orbiq Connect links through a regulated provider — your credentials never touch Orbiq.
- ✓Only merchant structure leaves the box. Never raw rows — and the external LLM works under a no-store / no-train contract.
- ✓OCR runs on Orbiq's own servers. Nothing is shipped out for heavy processing, and audit logs are PII-redacted.
- ✓No password to steal. Sign in with Google or Apple; data is encrypted at rest.
- ✓No data sold, ever. No ads. You own your data — download a full backup yourself any time (email-verified), restore from it, or request erasure.
Under a minute to your first transactions
No API keys, no column mapping.
Bring your data in your way
Screenshot, PDF statement, XLSX / CSV / OFX, a migration from your old app, or a bank connection.
Orbiq reads & sorts it
Categorized, cross-border flows detected, Indian bank codes read.
Ask questions, watch your goals
Dashboard, budgets, Ask Orbiq — currency-aware, updated on import.
Two ways to fly. No wrong choice.
Same engine on both. The only difference is how transactions get in. Priced in CAD, no quiet USD upcharge.
Not a temporary discount — a promise. Step in early and it holds for as long as you stay.
All we ask in return is your truth. A quick chat or a short survey once a month to keep us on track, and permission to share your feedback with the world. We can’t do this without you.
Free trial
Not a stripped-down demo — the full Orbiq Core engine, on your own data, from the first import.
- Day 1 Everything unlocksAll 15 currencies, Ask Orbiq, goals, budgets, alerts. Import by screenshot, PDF, XLSX, CSV or OFX.
- Day 1 1 bank connection includedLink a Canadian or US bank through Plaid — normally a Connect feature.
- Day 30 Nothing billsNo card on file, so we can't charge you. Orbiq goes read-only until you pick a plan, and the linked bank disconnects.
- After Your data is keptSign back in and it reopens where you left off. We email you well before anything is removed.
Orbiq Core
The full multi-currency, cross-border, investment-flow engine. Bring your data your way — a screenshot, a statement, a file.
- ✓File / PDF / XLSX / screenshot import — every country, no third party
- +Optional: auto bank sync in 40+ countries — needs your own LunchFlow accountA separate company: you sign up there, hold the key, and LunchFlow bills you directly (from USD $5/mo). Not included in your Orbiq plan.
- ✓Full multi-currency engine + Currency Lens15 currencies
- ✓Cross-border detection & tax helpers
- ✓Ask Orbiq, goals, budgets, anomaly alerts
- ✓One-step migration from your old app
- ✓Private & encrypted — always
Orbiq Connect
Everything in Orbiq Core, plus one-click Canada / US bank sync through Plaid — one bill, no third-party account. For North-American budgeters who'd rather link once and let transactions flow in.
- ✓Everything in Orbiq Core
- ✓Automatic CA / US bank sync via Plaidno third-party key to manage
- ✓Auto-sync mortgage & loan balancesamortization re-anchors itself
Start on either. Move to Connect whenever you want hands-off bank sync. Compare plans in detail →