Example plan using fictional numbers

What a plan looks like.

These are real screens from the Velenyro app, filled with made-up numbers. This page is only an example: it has no sign-in, no live web app, no bank connection, and nothing to type.

The fictional numbers

Pay: $1,690 take-home, every two weeks.
Usual spending: $1,076 of planned spending this pay period.
What is owed: a $3,400 credit card at 21.99%, a $9,800 car loan at 6.40%, and a $6,200 student loan at 4.50%.

That is all the app needs to show the four things below.

Your Money Plan

What is safe to plan with, and what to do next.

Safe to plan with: $614 left this pay period. An estimate after the income and spending entered.
Needs attention: The credit card. It has the highest rate, so it is first in the payoff order.
Next step: The plan may leave $1,228 this month for the credit card. One clear step, with the reason.
Estimated debt-free date: August 2027, 12 months at the current plan. It moves when the numbers change.

Velenyro home screen titled Your Money Plan. A card reads Your debt-free date, August 2027, 12 months at the current plan, 0% of $19,400 paid off. A Next step card reads: Your plan may leave $1,228.00 this month for Credit card. This is the first debt in your payoff order. Tiles show Money left this pay period $614.00, Total owed $19,400, and Extra you could pay toward debt $1,228. — Home screen. Fictional numbers.

Budget

See what is left after each pay.

One pay period, the days from one payday to the next, stays in focus: pay received, spending planned, and the money left after that spending. Add a new expense from the main button, or open a group only when you want its details.

Velenyro Budget screen for September 1 to 15, 2026. Money left this pay period is $614, pay received is $1,690, and planned spending is $1,076. Spending groups show Housing $711, Living $305, Family $0, and Goals $60. — Budget screen. Fictional numbers.

Debts

Every debt, in the order it will be paid.

The Debts screen shows the total owed, the estimated interest this month, the minimum payments, and the expected finish. Extra money goes to debt #1 first, and you can change the order with the arrows.

Here the credit card is marked Highest rate and is expected to finish in November 2026, then the car loan in May 2027, then the student loan in August 2027.

Velenyro Debts screen. Tiles read Estimated interest this month $138, Minimum payments $465 before the $1,228 you add, Total debt $19,400 across 3 debts, Expected finish Aug 2027. Under Debt payoff order, Credit card is number 1 with a Highest rate label, $3,400.00, 21.99%, minimum $85.00, 19% paid, estimated finish Nov 2026; Car loan is number 2, $9,800.00, 6.40%, minimum $260.00, estimated finish May 2027. — Debts screen, with all details shown. Fictional numbers.

Try a change

See what one change would do, without touching the plan.

Pay a little more toward debt, or spend a little more or less each month, and the estimated debt-free date updates for that comparison only. Your saved plan does not change until you decide.

How the four steps work

Velenyro Try a change screen. Text reads: See how one change could affect your debt-free date. Your saved plan will not change. Inputs for Pay this much more toward debt and Spend more or less each month. Results show Estimated debt-free date Aug 2027 for this comparison only, Extra for debt $1,228, and Time to debt-free 12 months. — Try a change screen. Fictional numbers.

Private testing

See how a plan comes together.

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.

How it works