Straight answers before you start.

Velenyro is in private testing and is not publicly available yet. Today, you can explore a sample plan with fictional numbers. The iPhone app is first. An Android app and a connected web app are planned.

Pricing will be announced before launch.

Your bank login stays with you. Velenyro works with manual entry and supported statement files. You choose how to add your information. Bank connections are planned. In the current private test, you can add a supported bank or credit-card statement and review the transactions before saving.

Yes. Add income at the rhythm it arrives: each week, every two weeks, twice a month, monthly, or irregular pay you record as it comes in. Add spending at the rhythm you pay it, from each week to each year, and Velenyro converts it to your pay period. On Home you can view your plan each week, every two weeks, twice a month, each month, every three months, or each year.

Ask Velenyro Guided sits in the More menu. Choose a question such as Where is my money going, What changed this month, or How was this number calculated, and the answer comes from your own numbers and the app's help, on your phone, with no network connection needed.

You can type in your pay, your spending, and what you owe. Files are a shortcut you can choose. The app then does the math.

Pay stubs saved as PDF with readable text, from the payroll systems the app can read. Bank and credit-card statements, in the current private test, as a text-based PDF, an XLSX spreadsheet, or a CSV, OFX or QFX file downloaded from your bank or card. A text-based PDF is one with selectable text, the kind your bank lets you download. Statement imports work with CAD and USD; if the currency is unclear you choose it, and statements in other currencies are left out rather than converted. Supported layouts only: a file the app cannot read is explained, and your plan stays as it was, so you can type the amounts yourself. Credit-report PDFs the app can read, for balances only. For a photo or scanned image of any of these, enter the details by hand.

You see what the app found before anything is saved, and you can correct or reject it. If a file is unclear, Velenyro tells you and keeps your plan unchanged, so you can type the number yourself.

Today, the current private test keeps your plan on the phone you use. We are designing an optional account so one plan can be available across your devices. We will explain what is stored, who can see it, and how you can erase it before this capability opens.

Yes. You can export your plan as a file from the app, and you can erase all of its data from Settings. On the current test phone, deleting the app also removes its data.

The current private test opens directly on this device. An optional account is planned.

Yes. Renters, first-home planners, mortgage holders, mortgage-free owners, students, student-loan borrowers, people preparing for retirement and retirees can each tell the app what fits today, or skip it. Velenyro then puts the most useful step first while every screen and every number stays available.

Velenyro provides planning and learning guidance. It does the math and suggests practical next steps using widely used financial-planning methods. A qualified professional can help with tax, legal, and investment decisions.