Schei.
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Know where your money actually goes.

Budgets that fill with your real spending, a debt plan that shows the math, and the Canadian accounts other apps ignore. Priced in Canadian dollars.

Schei — pronounced "skay". Venetian slang for money.

Download on the App Store iPhone · one month free

August budgets

EXAMPLE
🛒 Groceries $0 of $600
🍔 Dining out $0 of $200
🚗 Transport $0 of $250
where you should be, 23 days in

Budgets & spending

A budget that keeps up with a real month.

Set an amount per category and it fills with your actual transactions — no re-entering what you already spent. The marker shows where you should be by now, so you know if you're ahead before the month is gone.

  • ✓Custom categories with your own icons
  • ✓Yearly view — underspend in March, spend it in July
  • ✓See exactly where last month went, by category

Entertainment · full year

EXAMPLE
Spent so far $0 of $1,200

$160 under pace · $860 left this year. Skip a few months and the room carries forward instead of resetting.

Debt payoff

See what the interest is really costing you.

Add your cards, loans, and lines of credit with their rates. Schei works out the date you'd be free and the total interest — then shows what one extra payment a year would change.

  • ✓Avalanche or snowball, compared side by side
  • ✓Extra monthly, or a yearly lump sum
  • ✓Choose which debts belong in the plan

Payoff comparison

EXAMPLE

Minimums only

DEBT-FREE IN
18y 4m
TOTAL INTEREST
$0

+$200 a month

DEBT-FREE IN
11y 2m
TOTAL INTEREST
$0
$0

saved in interest — and free 7 years 2 months sooner

The Canadian part

Then put what's left where it counts.

Once the budget tells you what's actually spare, Schei tracks what you contribute to a TFSA or RRSP year by year against the annual limits — so you know how much room you still have before you over-contribute.

  • ✓TFSA and RRSP contributions, by year
  • ✓Contributions charted against market value
  • ✓Holdings, property, and full net worth

TFSA contribution room

EXAMPLE
2021—
2022—
2023—
2024—
2025—
Room since 2009—

Illustrative. Schei works this out from the contributions you record.

Also in the app

The rest of the picture.

Outlook

Forecasts

Project your balance six months to thirty years out, adjusted for inflation.

Bills

What's due

Recurring bills and income, marked paid and rolled forward automatically.

Net worth

Everything counted

Accounts, investments, property and debt in one number that updates itself.

Insights

What changed

Income against spending, category trends, and where the month actually went.

Getting your data in

Connect a bank, import a file, or type it in.

Schei connects to supported Canadian institutions for automatic syncing. Open banking is still arriving in Canada, so some banks can't be connected yet — for those, import a CSV from your old app or your bank, or enter transactions by hand. Manual entry is a first-class part of the app, not a fallback. Coming from Mint or Monarch? Bring your history with you.

Pricing

One price. In Canadian dollars.

$4.99PER MONTH · CAD
  • ✓Your first month is free.
  • ✓Billed in Canadian dollars — no exchange rate, no FX fee.
  • ✓Everything included. No higher tier holding features back.
  • ✓Cancel any time from your Apple ID settings.

Why this exists

When Mint shut down, every good replacement was American — and a lot more expensive than the free thing we'd all just lost.

Mostly I wanted to see where the money was actually going each month, so I could work out what was genuinely left to put into a TFSA or RRSP. Budget properly first, then contribute what's really there instead of guessing.

So I built the app I couldn't find.

— Schei · built in Canada