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Every currency you live in, one honest ledger
One ledger for your CAD salary, your INR rent and remittances, and your USD side income — with the exchange rates handled the way they actually happened.
Currency Lens
View your whole ledger in your home currency, the original currency each transaction was in, or any currency you pick — one tap.
Per-transaction FX, captured at import
The rate at the moment each transaction happened is preserved — not a blurry today's-rate guess applied after the fact.
Live dated conversion
Statements in any supported currency convert on import using dated rates, so your home-currency view reflects when the money actually moved. New to this? See how to budget in two currencies.
15 currencies, growing
CAD, USD, INR, GBP, EUR, AUD, NZD, BRL, SGD, HKD, CHF, SEK, NOK, DKK, PLN — each converted at its own transaction-date rate. More are on the way.
Net FX impact & exposure
See how exchange-rate moves have helped or hurt the capital you've sent across borders — in plain home-currency terms.
Import from anywhere — no aggregator gate
No bank connection required. Whatever your bank and country, first transactions in under a minute.
Screenshot import
Snap your banking app; Orbiq reads the dates, amounts, and merchants. It reads the picture, not the bank, so it does not care which institution or country you are with — including the ones no aggregator supports.
CSV / Excel import
Bring in a spreadsheet export from any bank. Orbiq works out which column is the date, the amount and the description — no mapping screen.
PDF statement import
Drop in a bank PDF statement and Orbiq lifts the table out — dates, amounts, and descriptions — straight into the same review flow.
Password-protected PDF? It's unlocked on your device; the password never leaves your browser.
OFX / QFX / QBO import
Standard banking-export formats import directly.
Indian bank codes
Orbiq recognizes TDS, WTax, SIP, dividends, and other Indian transaction codes other tools choke on — run Orbiq fully on an Indian bank no aggregator supports.
Bank sync in 40+ countries — with your own LunchFlow account
This one is bring-your-own-key, and it is not part of your Orbiq bill. LunchFlow is a separate company with its own signup, its own trial clock, and its own invoice. You connect your banks there, generate a key, and paste it into Orbiq once — after which transactions flow in on a schedule. Its network reaches 25,000+ institutions across 40+ countries — the US and Canada, plus the UK, EU, New Zealand, Brazil, Singapore, Hong Kong and more.
Orbiq adds no charge of its own on Orbiq Core (CAD $9/mo) — but LunchFlow bills you directly, from USD $5/mo for 4 accounts, +USD $1 per extra account, outside the app, by a third party. Two subscriptions, two companies, one of which is not us. If that is not what you want, file import reaches every country with nobody else in the loop. New here? Follow the Core + LunchFlow setup guide.
Orbiq Connect — the simplest CA / US bank sync
The one-bill option for Canada & the US: read-only auto-sync through Plaid, a regulated provider; your credentials never touch Orbiq, and there's no third-party key to manage and nothing billed outside the app. Also auto-syncs mortgage & loan balances, keeping your liabilities and amortization current. CAD $15/mo, everything in Core included.
Two ways to sync North America: Connect (Plaid) keeps it to a single Orbiq subscription; Core + LunchFlow also covers the US & Canada — and 40+ more countries — if you'd rather bring your own LunchFlow key. Everywhere either reaches, every currency also works via screenshot, statement, and file import.
Switch from YNAB or Lunch Money
Bring your full history in one guided migration: accounts, categories, tags, and transfers — legs paired so nothing double-counts, per-row currencies FX-converted.
Keep your category tree 1:1 or remap it onto Orbiq's. Your accumulated history comes with you.
Remittances, not mystery expenses
The international transfers other apps file as random expenses, Orbiq names for what they actually are.
Remittance & transfer detection
Orbiq knows when money leaves the country. Known remittance services, a currency mismatch between the two legs, and the description itself each flag it — so "I sent ₹80,000 home" reads as a remittance.
Transfer pairing & Transfer Inbox
Matching debit/credit legs are paired automatically; the Inbox is one place to confirm or correct suggested links — so transfers never double-count. A background sweep also catches duplicate imports and files them for one-tap review.
What each remittance really cost you
For every transfer, Orbiq compares the rate you actually received against the mid-market rate on that date — so the true cost of spreads and fees is a number, not a feeling. A dedicated Remittances view tracks it across providers over time.
Effective rate 61.35 · mid-market 62.10
Cost of transfer: ~CA$15.70
Talk to your money in plain language
Multi-turn, currency-aware answers computed on your own data. Ask a follow-up and it remembers what "that" meant.
Ask in plain language
It runs the numbers on your own data and narrates only the result — cashflow, spend by category, cross-border flows, FX exposure, goals, recurring bills, and more. Every answer offers the obvious follow-up, and Ask about this on a chart opens the assistant already looking at it.
"What's my FX exposure if the rupee drops 5%?"
"What counts as foreign assets for my T1135?"
Cross-border tax helpers
A T1135 foreign-asset summary, a taxable-income summary, and an FX-gain summary — concepts other budgeting apps simply don't model.
Informational only — confirm the figures with your accountant before you file.
Privacy posture
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.
Where your money actually went
Orbiq tracks the outflow of capital, not a fabricated portfolio value. The honesty is the feature.
Capital-flow tracking
How fast you're deploying capital, which institutions it landed in, and the FX rate captured at each transfer.
Wealth flow visualization
A source → destination view of where your money actually went, rendered as a Sankey flow.
No phantom portfolios
Orbiq reports only what it knows with certainty. It does not fabricate live portfolio value or unrealized market gains.
Sorted in seconds, smarter every import
An engine that respects your rules and your privacy — and a ledger that is quick to fix when it guesses wrong.
Layered categorization
Your rules first, then patterns confirmed across Orbiq, then AI for whatever is left — in seconds. Faster and smarter with every import.
Rules engine
Deterministic, explainable rules you control — so the same merchant always lands where you want it.
One Review page
Everything waiting on you lives in one place. Pick a category once and the row is filed; confirm a whole batch of suggestions in one go; change your mind with Undo. Suggestions come from how you have filed that merchant before.
Search that adds up
Results as you type — including by amount: type the figure off a statement and it finds the row, money in or out. Tap a quick filter (category, card, tag) and the list shows what it totals, and every day carries its own total.
Receipts on the transaction
Photograph a receipt or attach a PDF right on the transaction, on your phone or the web. Location data is removed from photos before they are stored, and every view is a fresh, short-lived link issued only to you.
Refunds file under the purchase
Point a refund at the purchase it reverses and it files under that purchase's category instead of reading as income. Orbiq suggests likely matches in your inbox; it never links them on its own.
Plan a month or a whole year ahead
Budget the way the spending actually happens — steady monthly caps, lumpy annual envelopes, or a specific number for one month. Every limit and every "spent" figure is currency-aware.
12-month planning view
A year-at-a-glance grid: every category across all twelve months, with spent vs. limit and a traffic-light status in each cell. Toggle between Month and 12-Month on the same screen.
Yearly & custom periods
Budget a lumpy category — travel, gifts, insurance — as a single annual envelope. Orbiq tracks it cumulatively year-to-date against the annual amount, so one big month never trips a false alarm.
Recurring & per-month overrides
Set a budget once and it auto-applies every period. Need a different number for December? Override that one month — or apply an amount across a whole range at once — without disturbing the rest.
Category & tag budgets
Set budgets by category or by tag, and watch pacing against them as transactions land. Tag budgets get the same 12-month grid view.
Goals with pacing
Category and investment goals with linear projection — Orbiq tells you whether your current pace gets you there. Savings goals you top up by hand show your pace and every contribution you have made.
Budgets that say what's left
Every budget reads “$120 left” or “over by $40”, with a pace marker for where you should be today, and the ones at risk sort to the top. Rollover is opt-in per budget: carry the leftover into next month, or start fresh.
Budget a single merchant
Set a limit on one merchant, not just a whole category or tag — for when one shop is the whole problem.
Tags
Create and color tags independent of categories; apply them three ways — single, bulk, or by date range. Filter and search with #tagname, and tags flow into your charts.
Split a transaction across categories
One Costco run, three categories. Split any charge into child rows — each with its own category — and budgets, trends, and charts count the pieces, never the parent twice.
Spread a big purchase over months
Annual insurance paid in one hit? Spread it across the months it actually covers, so one lumpy charge doesn't wreck a single month's budget or trend line.
Ask Orbiq knows your budgets
"How am I tracking against my yearly travel budget?" — the assistant reads your annual envelopes and monthly caps and answers in plain language.
The whole picture, the moment you import
Smart dashboard
Monthly cash flow, budget pacing, anomaly alerts, and top merchants — all currency-aware, all updated the moment you import.
Custom charts
Build your own charts — pick the metric, the period, and how to group it by category, merchant or tag. Tap any bar, slice or point to see the transactions behind it.
Your layout, your figures
Edit layout is a canvas: drag a widget anywhere, resize it, and it snaps to a grid. Size the row of headline figures from one tile to ten. Your arrangement follows you to your phone, reflowed into reading order.
Balances, not running totals
Type in what your bank says today and Orbiq works out where the account started — so “cash” is a real balance, not the money that has moved since your first import. On linked accounts, pending card holds stay out of your balances until they settle.
Hide amounts
One switch masks the figures on your dashboard and lists while you show someone a chart. It is a display setting on that device — not a lock.
Stale-data alerts
A dashboard is only honest if the data behind it is fresh. If an account hasn't seen new transactions in a while, Orbiq emails you — with per-account thresholds you control.
See what's coming before it lands
Forecast: the next 30, 60 or 90 days
Built only from things you have already entered — confirmed recurring bills, card statements, scheduled loan payments, recurring income. Nothing is guessed, and anything that could not be included is counted on screen, next to the figure.
Cash calendar
Switch the forecast to a grid of days: a dot for each thing due and the balance you would close that day on. The tightest day is ringed and any day below zero is red, so “does rent clear before payday?” is a colour, not arithmetic. Expected income from your own pay pattern is an opt-in estimate.
Bills that end
A lease that ends in March, a twelve-month phone plan: give a recurring bill an end date and it stops appearing in your forecast, reminders and assistant answers — without deleting the history of paying it.
Bills calendar & subscription audit
Bills has a calendar view, and a strip that adds up what you pay every month so the forgotten subscriptions stand out.
Recurring & subscription detection
Orbiq auto-detects recurring bills and surfaces the ones coming up, so nothing catches you by surprise.
Subscription price-creep watchdog
When a subscription quietly goes from $11.99 to $13.99, Orbiq flags the hike and shows the full price timeline — every increase, dated. Cancelled something? Mark it, and Orbiq tells you if it charges you again.
+17% over 14 months · flagged
Mortgage & loan tracking
A real amortization schedule for your mortgage or loan: every payment split into principal and interest, balance and payoff date projected forward. On Orbiq Connect, the balance auto-syncs and re-anchors the schedule whenever the lender's number moves — so your liabilities stay current without manual edits.
Honest here too: Orbiq tracks the debt, not a guessed market value of the house.
The right card, and the bill on time
What each purchase earned, what it could have earned, and when every card is due.
Which card should I have used?
For each purchase, see what it actually earned against what your best other card would have earned, with the monthly cap remaining. Points are valued with their transfer partners, and seeded reward rates are labelled unverified until they have been checked.
“Can't use this card here?”
When advice leans on a card you have never used at a merchant, Orbiq asks whether that store takes it — right where the advice appears — instead of counting rewards you could never have earned.
Credit-utilization signals
Prepayment reminders before your statement closes, to help the utilization the bureau sees land in your target band.
Honest framing: these are signals to support healthy credit behavior — score outcomes depend on your action. Orbiq never promises a number.
Card bills that say when they're due
Pay-by is anchored to the next statement close, with bill-due and past-due alerts — and a late bill stays visible until it is paid.
Share the ledger, split the bill
Invite the person you share money with, decide exactly what they see, and split real expenses down to each person's share — with the running balance kept for you.
Invite your household
Invite up to 3 members by email — a household of 4 including you — to view your finances in read-only mode. Each keeps their own Orbiq account; you stay the owner and the only one who can change the ledger.
Per-member visibility
Choose exactly which parts a member sees — dashboard, transactions, budgets, goals, investments, and more — one toggle each. Grants only ever restrict; nobody sees past what you allow.
Split any expense
Split a transaction across the household by share, so a $120 grocery run becomes just your $60 in your own numbers — built into the ledger you already keep.
Running balance & settle up
Orbiq tracks who owes whom and nets it to a single balance. Settle up automatically when a payment clears the full balance, or mark it by hand and link the transaction that paid it.
Split-adjusted budgets
Budgets and spend can count only your share of a split, so a shared bill never blows a personal budget. Flip to cash-basis when you'd rather see what actually left your account.
A little appreciation
React to a partner's split, nudge an unsettled balance, and see monthly kudos — a human layer on top of shared money.
Privacy by requirement, not afterthought
Concrete, verifiable claims only — for an audience deciding whether to hand over financial data.
Only structure reaches the AI
Only merchant structure — never raw rows — goes to the external AI model, under a no-store / no-train contract. The heavy OCR runs on Orbiq's own servers. How it is governed →
Google or Apple sign-in, encrypted at rest
Sign in with Google or Apple — Orbiq stores no password to steal. Your data is encrypted at rest.
Privacy by design
PIPEDA-aligned, with PII-redacted audit logs and daily encrypted off-site backups for business continuity.
Your data, your call
Download a full backup of your account yourself, any time — and restore from it too. Both are gated behind a one-time email verification code, so only you can move your data. Account erasure is available on request.
Built to be lived in
Install as an app (PWA)
Add Orbiq to your home screen on iPhone, Android, or desktop. Works offline with your last-loaded data.
Native apps — App Store and Google Play
The native iPhone & iPad app is live on the App Store, and the native Android app is live on Google Play — the everyday Orbiq: ledger, import, budgets, bills, goals, splits and Ask Orbiq, plus home-screen widgets, on-device OCR, haptics, and local bill reminders.
Same account, same data everywhere. A few analysis-heavy views — Remittances, Investments and the roadmap — stay on the web, where there is room for them.
Siri, Shortcuts & the Action button
Ask “How much is left in my budget?” or “What bills are due this week?” and Siri answers with the same number Orbiq shows, without opening the app. “Add an expense to Orbiq” saves a purchase in one sentence, offline too.
Your privacy settings come along. With Hide amounts on, Siri gives percentages and counts, never figures. With Face ID lock on, Siri opens Orbiq to unlock first. Every phrase →
Demo & guided tour
The public demo runs on a sample Canada–India ledger with no signup. Inside the app, demo mode loads a full sample account and a guided tour walks you through it.
⌘K to anywhere
Press ⌘K (Ctrl+K) to jump to any bill, goal, account or category, and triage the Review page from the keyboard.
Public roadmap
See what's shipped and what's coming — the roadmap is available inside the product.
Bring your data in any shape it comes in
Automatic sync on a single Orbiq bill covers Canada and the US, through Plaid, on Connect. The 40+ country figure is a different arrangement: it needs your own LunchFlow account — a separate company, separate signup, billed separately by them — on Core. File import works in every country today with no third party at all. No SMS import, because Orbiq doesn't do that.
Want the head-to-head vs competitors?
The full comparison table — multi-currency, cross-border, tax helpers, privacy, and where they're at parity — lives on the landing page.
See the comparison →Stop pretending you live in one currency.
One ledger for your CAD salary, your INR remittances, and your USD income — handled honestly.
Start free — no cardTry the demo first — no signup, no commitment.
Frequently asked questions
Does Orbiq need my bank login or password?
No. Orbiq's core import paths never ask for your bank credentials: screenshots, PDF statements, CSV and OFX files, and migration from other budgeting apps. The optional Orbiq Connect tier adds read-only bank sync for Canadian and US banks through Plaid, a regulated provider — even then, your bank credentials never touch Orbiq. For the 40+ countries beyond that, sync runs on your own LunchFlow account: a separate company that bills you directly, where you authenticate your banks and generate a key that Orbiq reads with. Again, no bank password ever reaches Orbiq.
Which countries get automatic bank sync?
Natively, only Canada and the US — on Orbiq Connect (CAD $15/mo), which syncs them through Plaid on one Orbiq bill with no third-party key. That is the whole of Orbiq's own coverage. Everywhere else, automatic sync means bringing your own LunchFlow account: a separate company, separate signup, billed separately by them on top of Orbiq Core (CAD $9/mo). Their network reaches 25,000+ institutions in 40+ countries — the UK, the EU, New Zealand, Brazil, Singapore, Hong Kong and more, and it covers Canada and the US too if you'd rather run it that way. If a second subscription isn't worth it, file and screenshot import works everywhere with no third party. See the Core + LunchFlow setup guide.
Which currencies does Orbiq support?
15 currencies: CAD, USD, INR, GBP, EUR, AUD, NZD, BRL, SGD, HKD, CHF, SEK, NOK, DKK, and PLN — with a per-transaction exchange rate applied on each transaction's date rather than a single monthly average. More are on the way.
Can Orbiq track transfers between countries?
Yes. Orbiq automatically detects cross-border transfers and remittances and computes the effective rate you actually received, so the real cost of spreads and fees is visible.
Where is my data stored?
Your data is encrypted at rest and Orbiq is PIPEDA-aligned, with PII-redacted audit logs and daily encrypted off-site backups. Sign-in is through Google or Apple, so Orbiq stores no password to steal.
Is there a free trial?
Yes — a 30-day free trial with no credit card required. You can also try the demo first, and cancel anytime.