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Veyra
Backed by Y Combinator

Smarter PersonalFinance

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Meet Veyra

Veyra brings your spending, future income and bills, investment portfolios and everything you own and owe into one clear picture, so you always know where you stand and what comes next.

Total Spending

Sep 2026

$6,020

−3.8%vs August

  • Housing36%$2.2K
  • Groceries & dining21%$1.2K
Spending by category: Housing $2.2K, Groceries & dining $1.2K, Bills & subscriptions $890, Transport $610, Other $1.1K

Total Income

Sep 2026

$9,460

+4.2%vs August

  • Salary83%$7.9K
  • Portfolio income10%$940
Income by source: Salary $7.9K, Portfolio income $940, Side income $670

All your money, in one calm place

Veyra brings your income, spending by category, monthly cash flow, savings rate, net worth, investment portfolios and smart insights together in a single view that updates as your money moves.

About usFinancial clarity, made personal

Veyra helps individuals, couples and families see every dollar clearly, plan the months ahead, grow their investments, and make confident money decisions with smart, personal insights.

Households planning their money with Veyra
120K+
Of members feel more in control within three months
92%
In savings, portfolios and property tracked
$8B+
Our story
Features

Everything you need to understand your money.

Six capabilities, one connected picture. Your spending, plans, portfolios and net worth all draw on the same numbers, so every chart, outlook and insight agrees.

  1. 01Net Worth Tracking
  2. 02Everyday Spending
  3. 03Smart Insights
  4. 04Future Cash Flow
  5. 05Investment Portfolios
  6. 06Budgets and Goals

01Net Worth Tracking

Everything you own and owe, in one number.

List your assets and liabilities in categories you define, from your home and car to your mortgage and credit cards, and watch your net worth update as values change.

  • Editable asset and liability categories
  • Loans with interest rates and monthly payments
  • Net worth statement you can share with an advisor
Explore net worth tracking

Net worth statement

As of September 30, 2026

Up to date
Net worth statement, As of September 30, 2026
Cash and savings$59,980
Investments$184,250
Home and vehicle$438,500
Total assets$682,730
Total liabilities−$307,440
Net worth$375,290
Values refreshed every morningShared with your advisor as a PDF

02Everyday Spending

Know exactly where your money goes.

Log income and spending in seconds, sorted into categories that make sense to you, so the end of the month never comes with surprises.

  • Income and expense categories you can edit
  • Monthly income versus spending at a glance
  • Spot duplicate subscriptions and unusual charges
Explore everyday spending

Latest transactions

Sorted into your categories as they arrive

Live
  • Trader Joe’sGroceries−$96.40
  • ShellTransport−$64.80
  • Music streamingSubscriptions−$10.99
  • Freelance design clientSide income+$670.00
  • Whole Foods MarketGroceries−$184.32
Spending this month$6,020
  • Housing36%$2.2K
  • Groceries & dining21%$1.2K
  • Bills & subscriptions15%$890
Spending this month by category: Housing $2.2K, Groceries & dining $1.2K, Bills & subscriptions $890, Transport $610, Other $1.1K

03Smart Insights

Answers before you ask.

Veyra watches your accounts, portfolios and plans, and tells you what changed and what to do next, in plain language.

  • Savings rate and emergency fund checks
  • Portfolio concentration warnings
  • Early notice of tight months ahead
Explore smart insights

Ask Veyra

Answers grounded in your own numbers

Why did I spend more in July?

Veyra AI

July spending reached $7,140, about $715 above your monthly average. Most of the difference was the summer trip, with flights and hotels under Travel. August was already back down to $6,260.

04Future Cash Flow

See next year before it happens.

Add future income and future expenses, one-off or recurring, and Veyra projects your cash month by month, including loan payments and portfolio income.

  • One-off and recurring future income and expenses
  • 12-month month-by-month cash outlook
  • Loan payments and portfolio income included automatically
Explore future cash flow

Cash outlook

Six months of history, six months of plans

Projected savings, March 2027

$71.2K

+18.7% vs today

Salary, bills, loan payments and planned purchases arrive as scheduled.

Cash and savings outlook, Base plan
PeriodCash and savings
Apr$46.6K
May$49.3K
Jun$51.7K
Jul$53.7K
Aug$56.5K
Sep$60K
Oct$61.9K
Nov$63.1K
Dec$61.2K
Jan$64.8K
Feb$67.9K
Mar$71.2K

Coming up

  • Mortgage paymentNov 1, monthly−$1,950
  • Car insurance renewalNov 12, yearly−$640
  • Treasury bond couponNov 15, every 6 months+$212.50
  • Holiday trip to LisbonDec 18, once−$2,800

05Investment Portfolios

Your capital markets income, under control.

Track as many portfolios as you hold, across stocks, ETFs, mutual funds, bonds, term deposits, crypto, options and commodities, each with its own input screen.

  • Multiple portfolios across brokers and goals
  • Dedicated input screens for eight instrument types
  • Dividend, coupon and interest income as a source of income
Explore investment portfolios

Investment portfolios

3 portfolios, 6 instrument types

Portfolio value
$184.3K
+9.6%
Unrealized gain
$27.4K
+14.2%
Annual income
$5.6K
+6.8%
Yield on cost
3.6%
+0.4%
Total portfolio value over the last 12 months
PeriodPortfolio value
Oct$151.2K
Nov$154.8K
Dec$158.3K
Jan$156.9K
Feb$161.4K
Mar$164.2K
Apr$163.1K
May$168.7K
Jun$172.4K
Jul$176.9K
Aug$179.3K
Sep$184.3K
Largest holdings by market value
HoldingValueGain
VTIVanguard Total Stock Market ETF$38,400+10.8%
AAPLApple$24,750+18.3%
UST 2030US Treasury 4.25% 2030$20,150+1.2%

06Budgets and Goals

Budgets you actually keep.

Set a monthly limit for the categories that matter, see how each one is pacing and get a nudge before you overspend, not after.

  • Monthly limits by spending category
  • Pacing that projects where you will land
  • Gentle alerts before a budget runs over
Explore budgets and goals

Monthly budgets

$1,400 of $1,900 spent across 5 categories

  • Groceries$512 / $650

    On track for month end

  • Dining out$318 / $300

    Heading 37% over by month end

  • Transport$190 / $250

    On track for month end

  • Shopping$260 / $400

    On track for month end

  • Travel$120 / $300

    On track for month end

The product

Your whole financial life, on one calm screen.

Income, spending, savings, portfolios and net worth in one place, kept current as your money moves and explained in plain language. Switch the period to see every number update.

Explore the product

Alex Morgan

Your money

September 2026 vs August

Income

$9,460

+4.2%

Spending

$6,020

−3.8%

Saved

$3,440

+22.0%

Cash and savings

$59,980

+6.1%

Income vs spending

Last 12 months

Monthly income and spending for the last 12 months
PeriodIncomeSpending
Oct$8.4K$6.2K
Nov$8.5K$6.4K
Dec$11K$7.9K
Jan$8.6K$6.1K
Feb$8.6K$5.9K
Mar$8.7K$6.2K
Apr$8.8K$6.3K
May$8.8K$6.1K
Jun$9.1K$6.6K
Jul$9.1K$7.1K
Aug$9.1K$6.3K
Sep$9.5K$6K

Spending by category

September 2026

Spent$6K
  • Housing36%$2.2K
  • Groceries & dining21%$1.2K
  • Bills & subscriptions15%$890
  • Transport10%$610
  • Other19%$1.1K
Spending by category for September 2026: Housing $2.2K (36%), Groceries & dining $1.2K (21%), Bills & subscriptions $890 (15%), Transport $610 (10%), Other $1.1K (19%)

Recent transactions

Sorted into your own categories

Recent transactions
DescriptionAmount
Salary, Northbeam LabsSalary
+$3,925.00
Maple Court rentHousing
−$2,150.00
Vanguard dividendPortfolio income
+$412.60
Whole Foods MarketGroceries
−$184.32
Freelance design clientSide income
+$670.00

Cash outlook

Base plan, next 6 months

Cash and savings, six months of actuals and a six month outlook
PeriodCash and savings
Apr$46.6K
May$49.3K
Jun$51.7K
Jul$53.7K
Aug$56.5K
Sep$60K
Oct$61.9K
Nov$63.1K
Dec$61.2K
Jan$64.8K
Feb$67.9K
Mar$71.2K

Financial health

Key indicators this month

  • Savings rate36.4%

    Goal 40% of income

  • Emergency fund4.8 months

    Goal 6 months of expenses

  • Portfolio return+9.6%

    Year to date

  • Debt to income18%

    Healthy below 36%

Insights

From this week of activity

Veyra insight

You pay for two music streaming plans

Both renewed this month. Cancelling one saves about $132 a year without changing anything else.

Review subscriptions

Veyra insight

Your savings rate hit 36% in September

Your best month this year. At this pace your emergency fund covers six months of expenses by January.

View forecast

How it works

From connected accounts to confident decisions.

Three steps and most people are set up in an afternoon. No spreadsheets to build, no formulas to maintain, no finance degree required.

Book a setup call
  1. 01

    Connect your accounts

    Link bank accounts, cards, brokers and crypto wallets in minutes through secure, read-only connections, or add anything by hand. Veyra backfills your history automatically.

  2. 02

    Let Veyra do the sorting

    Veyra categorizes every transaction, spots recurring bills, values your portfolios and keeps your 12-month outlook current, then flags anything that needs a second look.

  3. 03

    Make confident money decisions

    Live dashboards, a rolling cash outlook and smart insights show where you stand and what to do next, so every money decision starts from current, trusted numbers.

Integrations

Works with the banks and brokers you already trust.

Connect your banks, cards, brokers, crypto exchanges and payment apps. Balances and transactions flow in continuously, so every chart reflects what happened minutes ago, not last month.

  • Chase

    Banks and cards

    Checking and savings

  • Bank of America

    Banks and cards

    Checking and savings

  • American Express

    Banks and cards

    Card activity

  • Capital One

    Banks and cards

    Card activity

  • Fidelity

    Brokers

    Holdings and dividends

  • Vanguard

    Brokers

    Funds and ETFs

  • Charles Schwab

    Brokers

    Holdings and dividends

  • Interactive Brokers

    Brokers

    Stocks, bonds and options

  • Robinhood

    Brokers

    Stocks and options

  • Coinbase

    Crypto

    Balances and staking

  • Kraken

    Crypto

    Balances and staking

  • Ledger

    Crypto

    Wallet balances

  • PayPal

    Payments

    Payments and transfers

  • Venmo

    Payments

    Payments and transfers

  • Wise

    Payments

    Multi-currency balances

  • Google Sheets

    Everyday tools

    Live exports

  • Microsoft Excel

    Everyday tools

    Live exports

  • Google Calendar

    Everyday tools

    Bill reminders

Bank or broker not listed? Add any account by hand, or tell us which one to connect next.Request a connection

Member stories

Real people, in their own words.

01 / 04
Two brokerage accounts, a little crypto and a mortgage, and for the first time I see all of it in one place. I check my net worth with my morning coffee now.
Maya LindqvistProduct designer, Stockholm
Pricing

Simple pricing for every household.

Start free with Essentials, then move to Plus or Family when you want more. Change or cancel at any time.

Save 17% with annual billing

Essentials

Everything you need to see your whole financial picture.

$0/ month

Free forever, no credit card needed

Get started free
  • Unlimited transactions and categories
  • Assets and liabilities with a live net worth
  • 1 investment portfolio
  • Future income and expenses with a 3-month outlook
  • Monthly insights digest
  • Email support

Plus

Most popular

For people who invest and like to plan ahead.

$5/ month

$60 billed once a year

Start 14-day free trial
  • Everything in Essentials
  • Unlimited portfolios and holdings
  • All 8 instrument types, each with its own input screen
  • Portfolio income counted as a source of income
  • 12-month cash flow outlook
  • Real-time insights and loan payoff dates
  • Priority support

Family

One shared picture for your whole household.

$9/ month

$108 billed once a year

Start 14-day free trial
  • Everything in Plus
  • Up to 5 people in one household
  • Shared and private accounts
  • Household net worth and cash flow
  • Budgets and goals for the whole family
  • A guided setup call

Every plan includes bank-grade encryption, read-only connections and your full history.

Compare all features
FAQ

Questions, answered.

Security, connected accounts, sharing with family and everything in between. If you do not see your question here, we are happy to help.

Get in touch

  • Your data is encrypted in transit and at rest, your password is stored only as a secure hash and your session lives in a cookie that scripts cannot read. We never sell your data or show you ads, and you can delete everything you have entered at any time from Settings.

  • No. You can add everything by hand in a few minutes: your assets and debts, your portfolios and holdings, your transactions and the income and expenses you expect. Where a connection is available it is read-only, so Veyra can see your numbers but never move money.

  • Veyra adds up your net worth from your assets, liabilities and portfolios, values every holding and its gain, calculates the dividends, coupons and interest your portfolios pay, and projects your cash month by month from your future income, future expenses and loan payments. It then turns all of that into short, plain-language insights.

  • Stocks, ETFs, mutual funds, bonds, term deposits, crypto, options and commodities, in as many portfolios as you like. Each type has its own input screen with the fields that matter for it, like coupon and maturity for bonds or strike and expiry for options. The income they pay counts as a source of income in your cash flow.

  • Add future income and future expenses, one-off or recurring, with a date and a frequency. Veyra starts from the cash you have today, then adds your plans, your loan payments and your portfolio income to show where you will stand at the end of each of the next 12 months. When something happens, mark it as paid or received and it moves into your transactions.

  • Most people are set up in one evening. Categories for assets, liabilities, income and spending are ready from the start, and you can explore with a sample household before adding your own numbers. The Family plan includes a guided setup call with a Veyra specialist.

  • Essentials is free forever. Plus and Family include a 14-day free trial with no credit card required. You can upgrade, downgrade or switch between monthly and yearly billing at any time.

  • Every plan includes email support from people who know personal finance. Plus adds priority email, and Family adds chat and a guided setup call.

Get started

Take control of your financial future.

Spend less time chasing numbers and more time on the life they pay for.

Get started freeBook a setup call

Essentials is free forever. Plus and Family include a 14-day free trial, no credit card required.