Everything you need to understand your money.
01 Net 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.
Start with sensible categories for assets and liabilities, then rename, recolor or add your own until they match your life. Your investments flow in from your portfolios automatically, loans keep their interest rate and monthly payment, and your net worth statement is always one click away.
- Editable asset and liability categories
- Loans with interest rates and monthly payments
- Net worth statement you can share with an advisor
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 |
02 Everyday 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.
Every transaction lands in a category you control, from groceries and rent to dividends and side income. Monthly totals, category breakdowns and a running income versus spending chart show you where you stand at a glance.
- Income and expense categories you can edit
- Monthly income versus spending at a glance
- Spot duplicate subscriptions and unusual charges
Latest transactions
Sorted into your categories as they arrive
- Trader Joe’sGroceries−$96.40Categorized
- ShellTransport−$64.80Categorized
- Music streamingSubscriptions−$10.99Needs review
- Freelance design clientSide income+$670.00Categorized
- Whole Foods MarketGroceries−$184.32Categorized
- Housing36%$2.2K
- Groceries & dining21%$1.2K
- Bills & subscriptions15%$890
03 Smart 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.
Instead of digging through statements, get short, specific notes about your money: a savings rate that is climbing, a sector that dominates your portfolio, or a month ahead where a big bill meets a quiet paycheck. Every insight links back to the numbers behind it.
- Savings rate and emergency fund checks
- Portfolio concentration warnings
- Early notice of tight months ahead
Ask Veyra
Answers grounded in your own numbers
04 Future 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.
Paychecks, rent, insurance renewals, a holiday in December or a bonus in March: add them once with a date and a frequency, and your 12-month outlook updates instantly. When a payment happens, mark it as paid and it moves into your spending history.
- One-off and recurring future income and expenses
- 12-month month-by-month cash outlook
- Loan payments and portfolio income included automatically
Cash outlook
Six months of history, six months of plans
Projected savings, March 2027
$71.2K
Salary, bills, loan payments and planned purchases arrive as scheduled.
| Period | Cash 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
05 Investment 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.
Create a portfolio for each broker or goal, then add holdings with a screen built for that instrument: maturity and coupon for bonds, strike and expiry for options, NAV for mutual funds. Veyra calculates market value, gains and the yearly income your portfolios pay you.
- Multiple portfolios across brokers and goals
- Dedicated input screens for eight instrument types
- Dividend, coupon and interest income as a source of income
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%
| Period | Portfolio 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 |
| Holding | Type | Value | Gain |
|---|---|---|---|
| VTIVanguard Total Stock Market ETF | ETF | $38,400 | +10.8% |
| AAPLApple | Stock | $24,750 | +18.3% |
| UST 2030US Treasury 4.25% 2030 | Bond | $20,150 | +1.2% |
06 Budgets 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.
Pick the categories you want to watch, set a limit and Veyra tracks your spending against it in real time. You see where each budget is likely to land by month end, so there is still time to adjust.
- Monthly limits by spending category
- Pacing that projects where you will land
- Gentle alerts before a budget runs over
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
Built for your whole financial life.
The details that make Veyra fit the way you actually live, from shared budgets to accounts in other currencies.
Shared with family
Invite a partner or family member and choose exactly which accounts and budgets you share.
Custom categories
Rename, recolor, merge or split categories until they match the way you actually live.
Recurring items
Weekly, monthly, yearly or every six months: set it once and every future payment is planned.
Multi-currency
Hold accounts and investments in any currency, with daily rates and clean conversion.
Exports anywhere
Send any statement or table to PDF, Excel, CSV or a live Google Sheet.
Timely reminders
Get a heads-up before a bill is due, a budget runs over or a bond reaches maturity.