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.
When you want more
Extra tools, when you want them
Bank files you download yourself
Many banks let you download a statement as a spreadsheet or bank-download file (CSV, OFX or QFX). Add one of those files and, in the current test, Velenyro reads the transactions on your phone. You match them to your plan once, check what it found, and only then is anything saved. This is a file you download yourself, not a connection to your bank.
A list of what you owe, from a credit report
A credit-report PDF the app can read can prepare your debt balances for review, so you do not have to type each one. Interest rates and minimum payments still come from you, because a credit report does not carry them. Velenyro only reads the balances; it does not score you.
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 is missing. It is an estimate for planning, not an approval, and only a lender can decide.
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.
Private testing
See what a plan looks like.
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.