Know what is left after this pay
An estimate of the money left this pay period (the days from one payday to the next), from the pay and spending you enter.
What it does
The things you need every day come first.
Velenyro keeps the everyday actions easy to reach. The advanced tools are there when you want them, and they stay out of your way until then.
See one useful next step
One clear step based on your plan, in plain words, with the reason behind it.
Watch the estimated debt-free date change
Add a balance, change a rate or pay a little more, and see the date move.
Add pay from a pay stub the app can read, and check it before saving
Velenyro fills in your pay from a pay stub it can read. You see what it found before anything is saved.
Plan around real paydays
Your plan follows your actual pay dates, and you can adjust a payday when real life differs.
Change the plan without starting over
Try a change first. Your saved plan stays as it is until you decide.
Plan by the rhythm you think in
Add pay and spending at the rhythm they happen, from each week to each year. Velenyro converts every amount to your pay period and shows your plan each week, every two weeks, twice a month, each month, every three months, or each year.
See what changed and choose what happens next
When a category is higher or lower than last month, Velenyro says so, shows the calculated effect on your plan, and offers a choice: try a smaller amount, move the difference toward debt, or keep the current plan.
Ask Velenyro Guided
Choose a question such as Where is my money going or How was this number calculated. The answer comes from your own numbers and the app's help, on your phone, with no network needed.
Guidance that fits your situation
Tell Velenyro whether you rent or own and what you are planning for, or skip it. Renters, first-home planners, mortgage holders, mortgage-free owners, students, student-loan borrowers, people preparing for retirement and retirees each get the most useful step first, and the full plan stays available.
When you want more
Extra tools, when you want them
Bank files you download yourself
Spend less time retyping transactions. In the current private test, you can add a supported bank or credit-card statement as a text-based PDF, an XLSX spreadsheet, or a CSV, OFX or QFX file, and Velenyro reads the transactions on your phone and shows what it found. You match them to your plan once, review every row, then choose what to save. Anything unclear is held for you to check or type in yourself.
Statement imports work with CAD and USD. If the currency is unclear, you choose it before anything is saved. Statements in other currencies are left out rather than converted. A text-based PDF is one with selectable text, the kind your bank lets you download; for a scanned or photographed statement, type the amounts in by hand. Supported layouts only: a file the app cannot read is explained, and your plan stays as it was. You download the file yourself, so your bank login stays with you. Velenyro also points out entries that look recurring, like a subscription or regular pay, and asks you to confirm them.
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.
A list of what you owe, from a credit report
A credit-report PDF the app can read prepares your debt balances for review, ready to confirm in one pass. You add interest rates and minimum payments yourself, from your statements, because a credit report lists balances only. Velenyro reads balances only.
Whether you might be ready to buy a home
See whether your numbers are ready for a home. Velenyro does the arithmetic from published rules and shows what to add. A lender provides the final lending decision. Velenyro provides a planning estimate.
Velenyro works with manual entry and supported statement files. You choose how to add your information.
Private testing
See what a plan looks like.
The iPhone app is first. An Android app and a connected web app are planned.