Straight answers before you start.

Velenyro is in private testing and is not in the App Store or Google Play yet. The iPhone and Android apps are planned to launch together, and a connected web app is also planned.

Pricing has not been announced.

No bank login is required today. Bank connections are planned for the future, but they will be optional. Today, you can add a bank file the app can read or enter your numbers yourself.

You can type in your pay, your spending, and what you owe. Files are a shortcut, not a requirement. The app then does the math.

Pay stubs saved as PDF with readable text, from the payroll systems the app can read. Bank statements downloaded as a spreadsheet or bank-download file (CSV, OFX or QFX). Credit-report PDFs the app can read, for balances only. Photos and scanned images are not read yet.

You see what the app found before anything is saved, and you can correct or reject it. If a file is unclear, Velenyro says so and saves nothing rather than guessing. You can always fix a number by hand afterwards.

Not today. The current private test keeps your plan on that phone. At launch, one Velenyro account across the web, iPhone and Android is planned so the same plan can be used on more than one device. It is not live today.

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.

No. The current private test works without an account. One Velenyro account across the web, iPhone and Android is planned for launch. It is not live today.

Velenyro is a planning tool, not personal financial, tax, legal, or investment advice. It does the math and suggests practical next steps using widely used financial-planning methods. For decisions that require professional judgment, speak with a qualified professional.