Your whole financial life, in one calm place.
Everything about your money, on one screen.
Income, spending, savings, categories, upcoming bills, portfolios and smart insights, all calculated from the same numbers and updated throughout the day.
Alex Morgan
Your money
September 2026 vs August
Income
$9,460
Spending
$6,020
Saved
$3,440
Cash and savings
$59,980
Income vs spending
Last 12 months
| Period | Income | Spending |
|---|---|---|
| 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
- Housing36%$2.2K
- Groceries & dining21%$1.2K
- Bills & subscriptions15%$890
- Transport10%$610
- Other19%$1.1K
Recent transactions
Sorted into your own categories
| Description | Date | Amount | Status |
|---|---|---|---|
Salary, Northbeam LabsSalary | Sep 30 | +$3,925.00 | Recurring |
Maple Court rentHousing | Sep 30 | −$2,150.00 | Recurring |
Vanguard dividendPortfolio income | Sep 29 | +$412.60 | Categorized |
Whole Foods MarketGroceries | Sep 29 | −$184.32 | Categorized |
Freelance design clientSide income | Sep 28 | +$670.00 | Categorized |
Cash outlook
Base plan, next 6 months
| 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 |
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
You pay for two music streaming plans
Both renewed this month. Cancelling one saves about $132 a year without changing anything else.
Review subscriptions
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
Smart categories
Categories that sort themselves.
- Rules built from a sentence, refined with a click
- Anything unsure waits for you, never guessed
- Every automatic change can be traced and undone
Grocery rule
Active, ran 23 times this month
- Whena purchase comes fromAny supermarket
- Thencategorize it asGroceries
- Andcount it towardGroceries budget
- Ifa single purchase is above$250
- Thenset it aside forMy review
Recent activity
- Whole Foods Market, $184.32 sorted into Groceries2 min ago
- Trader Joe's, $96.40 sorted into Groceries1 hr ago
- Groceries budget updated, $512 of $650 spent1 hr ago
Net worth
Know what you are worth, today.
- Asset and liability categories you can edit
- Investments valued automatically from your portfolios
- Monthly summary and net worth statement as a PDF
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 |
Future cash flow
See your money months ahead.
- A 12-month outlook, month by month
- Base, cautious and optimistic scenarios
- Planned items move into your history once paid
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
Portfolios
Your investments, working as income.
- Multiple portfolios across brokers and goals
- A dedicated input screen for each instrument type
- Yearly portfolio income built into your cash flow
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% |
Built for the most personal numbers you have.
Money is personal, and your data deserves more care than any other. Security is part of the foundation of Veyra, not a feature added later.
Read-only by design
Veyra connects with view-only access. It can see your balances and transactions, but it can never move money.
Encrypted everywhere
Your financial data is encrypted in transit and at rest, and your bank login details are never stored on our servers.
You choose who sees what
Invite a partner or family member and decide exactly which accounts, portfolios and budgets they can see.
Full activity history
Every sync, rule and edit is logged with what changed and when, so nothing ever happens behind your back.
Protected sign-in
Passwords are stored only as one-way hashes, and your session lives in a secure cookie that scripts cannot read.
Private by default
Your data is never sold, never shown to advertisers and never used to train models for anyone else.
Six features, one clear picture of your money.
See all features- 01Net Worth TrackingList 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.
- 02Everyday SpendingLog income and spending in seconds, sorted into categories that make sense to you, so the end of the month never comes with surprises.
- 03Smart InsightsVeyra watches your accounts, portfolios and plans, and tells you what changed and what to do next, in plain language.
- 04Future Cash FlowAdd future income and future expenses, one-off or recurring, and Veyra projects your cash month by month, including loan payments and portfolio income.
- 05Investment PortfoliosTrack as many portfolios as you hold, across stocks, ETFs, mutual funds, bonds, term deposits, crypto, options and commodities, each with its own input screen.
- 06Budgets and GoalsSet a monthly limit for the categories that matter, see how each one is pacing and get a nudge before you overspend, not after.