Venaya — Finally know if your finances are okay

Public BetaFree to join. No credit card.<br>Finally know where you stand.<br>A 0–100 financial health score, a dashboard that adapts to your life stage, and calm daily money tracking. No bank login required.<br>Start free Try Venaya Score — free

venaya.app/dashboard

0–100Health score, not just a balance<br>6Life stages supported<br>150+Currencies<br>0Bank logins required

The story<br>Venaya started with one quiet question: am I okay?<br>Most money apps show balances, charts, and categories. But a balance alone does not answer the question people actually carry around: can I breathe this month?<br>Venaya is built for that moment. The student trying to build first habits, the person between jobs protecting runway, the freelancer with irregular income, the family planning ahead, and anyone who wants clarity before handing over more financial data.<br>The promise is simple: start manually, understand your score, see what changed, and know the next calm action.

The 3am money map<br>The real pain is not tracking. It is not knowing.<br>Can I spend this week without making next month worse?

Am I saving enough or just guessing?

What should I fix first: budget, debt, goals, or habits?

What changes if my country, currency, or life stage changes?

Why Venaya<br>Clarity first. Automation when it earns trust.<br>Venaya is built for people who want to understand their money before handing more data to another app.

01Start without bank access<br>Track manually first. Connectors can come later; Venaya should not need your bank login just to be useful.

02A real score, not a random badge<br>The score explains its drivers: saving rhythm, emergency runway, budget pressure, debt, goals, and confidence.

03Free means usable<br>Core tracking, budgets, goals, and the score stay free. Pro is for forecasting, reports, deeper coaching, and advanced planning.

04Built for life changes<br>Country, currency, and life stage settings can move with you instead of forcing one fixed money template.

Proof, honestly<br>Trust signals without fake reviews.<br>Venaya is in public beta. That means the strongest proof is what is already true, what is monitored, and what real testers are now helping validate.

Live public beta<br>The product is online, testable, and monitored while Venaya keeps improving with real user feedback.

No bank login required<br>The app is useful before any future connector exists. Manual tracking is a privacy feature, not a missing feature.

Payments stay inside Stripe<br>Venaya does not store card numbers. Stripe handles checkout, invoices, trials, payment changes, and cancellation.

Reviews will be real<br>No fake Google reviews, no invented testimonials. Public quotes will appear only after beta users approve them.

Beta feedback we are collecting now<br>These will become real testimonials only when users give permission.

Did Venaya help you understand what to fix first?<br>Could you add transactions, budgets, and goals without confusion?<br>Did the score feel explained instead of random?

Built different<br>Adapts to you.<br>Not the other way.

Status Mode<br>Venaya changes what it highlights depending on the person's stage of life.

Venaya Score<br>A 0-100 financial health signal computed from your real spending, savings, and goals — or try the 2-min quiz, no account needed.

AI Coach<br>Ask anything about your money. Coach reads your real transactions and responds with context, not generic scripts.

Global setup<br>Currency, language, country context, and travel spending can adapt over time.

Status Mode<br>Same app.<br>Different reality.<br>Most apps show one dashboard to everyone. Venaya adapts: what matters, what to protect, what to grow — depending on where you are in life.<br>Get started<br>🎓Student<br>Small budgets, big decisions

First habits

💼Employed<br>Salary rhythm and subscriptions

Build stability

💻Self-employed<br>Irregular income and taxes

Runway mode

🕰️Between jobs<br>Priority bills and runway

Protection

🌅Retired<br>Predictability and essentials

Peace of mind

✨Other<br>Custom goals, your own pace

Your rhythm

Venaya Score<br>One number.<br>Seven honest signals.<br>No account needed. Takes 2 minutes. You get a 0–100 score with a breakdown of what's driving it and exactly what to fix first.<br>Get my score — free<br>💰<br>Savings Rate<br>On average, what percentage of your monthly income do you actively save?

🛡️<br>Emergency Fund<br>If your main income stopped today, how many months of living expenses could you cover from liquid savings?

🎯<br>Budget Discipline<br>How closely do you follow a monthly budget with spending limits by category?

⚖️<br>Debt Management<br>What is your current consumer debt situation?

Pricing<br>Free to start.<br>The core product is free: score, budget, goals, manual tracking. Pro adds AI coaching, receipt scan, reports, and subscription intelligence for CHF 7.90/month.<br>See pricing Start free

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