Every Orbiq newsletter, in one place

One honest view of your money, wherever you live. Two plans, a 30-day free trial, and how bank sync and privacy work.

Drillable dashboards, a Currency Lens, FX captured per transaction, and easy migration from YNAB or Lunch Money.

Split and spread transactions, auto-categorize with rules, and stay on track with budgets, goals, and tags.

Spot recurring subscriptions, watch your credit utilization, and share accounts across your household.

Detect remittances, pair transfers automatically, ask in plain language, and get cross-border tax help.

The 50/30/20 rule, why budgets fail on irregular bills, pay-yourself-first, and starting from your real average.

Why 3–6 months of essentials, the first $1,000, sinking funds, and why starting today beats saving more later.

Monthly hides yearly, the free-trial trap, silent price hikes, and subscriptions that move with the exchange rate.

The 30% utilization rule, statement-date timing, why payment history matters most, and keeping your oldest card.

The exchange-rate spread, the mid-market benchmark, double conversion, and the yearly cost of small spreads.

Avalanche vs snowball, the minimum-payment trap, and aiming freed-up dollars at a payoff goal on purpose.

Own minus owe, why the trend beats the daily number, one honest total across currencies, and how paying debt counts.

How spending rises to meet income, why fixed-cost creep hurts most, watching your savings rate, and banking the raise.

Time in the market, dollar-cost averaging, how fees compound against you, and the deployment pace Orbiq can honestly track.

The native Orbiq iPhone app is open for public beta on TestFlight — widgets, OCR, haptics, and local bill reminders. Two steps to join.

The first 50 subscribers lock Core at CAD $5/month forever — a trade, not a discount: your feedback for a lifetime price, a badge, and a roadmap vote.

Confetti on goal milestones, Roast mode for Ask Orbiq, No-Spend Challenges scored by your real transactions — and a Money Wrapped teaser.

Split real transactions with your household, keep one honest running balance, settle up cleanly, and let budgets show your actual share.

Real mortgage amortization with payoff projection, a watchdog for subscription price creep, and the zombie charges you meant to cancel.

The native iPhone app is officially live on the App Store, and bank auto-sync now reaches 40+ countries and 15 currencies, not just Canada and the US.

The native Android app is officially on Google Play, matching iPhone feature-for-feature — widgets, on-device OCR, haptics, and local bill reminders.

See what each card purchase actually earned versus your best other card, get a forward use-this-card-here recommendation, and add any card by hand-typing its rules.

One-shot import rails from YNAB and Lunch Money are in early access — reply to this email to get your history moved over.

Rearrange your dashboard and preview any widget with your own data before it takes a slot, tap any chart for the transactions behind it, and see why ten of our 44 widgets now decline to print a number.