Finally know
if you're
financially
okay.
A 0–100 score built from your real money habits — not just your balance. Free forever. No bank login needed.
Takes 2 minutes · no account needed · or create an account
Next move
Build emergency fund → +8 score points
Health score, not just a balance
Life stages supported natively
Currencies tracked
Bank logins required, ever
Sound familiar?
The question everyone carries but nobody answers.
“
My balance looks fine but I still feel behind. Am I actually okay?
“
I don't know if I'm saving enough — or just telling myself I am.
“
I have no idea what to fix first. Debt? Emergency fund? Both?
Venaya was built to answer exactly these questions.
Get my score free — 2 minutesInside Venaya
Your money, finally visible.
Illustrative data. Your real numbers stay private and on your terms.
How it works
From zero to clarity
in 3 minutes.
Answer 7 honest questions
No account needed. No bank login. Your savings rate, emergency runway, spending habits, and goals. 2 minutes.
Try the free scoreGet your 0–100 health score
See exactly what drives your number and the 2–3 things that would move it most this month.
Track it. Watch it grow.
Create a free account to track spending, set budgets, grow goals, and watch your score improve as your habits do.
Create free accountBuilt different
Adapts to you. Not the other way.
Venaya Score
A 0–100 signal built from your real spending, saving rhythm, emergency runway, and goals. Not a credit score — a clarity score.
Status Mode
The dashboard shifts based on where you are in life. Your priorities change and Venaya keeps up.
Budget & tracking
Add transactions in seconds. Track in CHF, USD, EUR, or 150+ currencies — no bank login required.
AI Coach
Ask anything about your money. Coach reads your real transactions and responds with context.
Why is my score lower than last month?
Dining went 23% over budget and emergency savings paused. Both fixable — want a plan?
Goals & Garden
Each goal is a seed. Contribute regularly and watch it grow from seedling to tree.
Emergency
45%
Japan Trip
78%
Laptop
100%
AI Insights
Weekly patterns from your real numbers — not generic advice.
You spend 18% more on weekends — mostly dining. A weekend budget could protect your score.
Your saving rate improved 12% vs. last month. You're outpacing your original goal.
3 subscriptions haven't been used in 30+ days. That's CHF 34/month you could redirect to goals.
Status Mode
Same app. Different reality.
Venaya adapts to where you are in life — what to protect, what to build, what to watch.
First paycheck and it's already gone. What even happened?
Every purchase feels scary right now. Just need to make it stretch.
Nothing I find online fits my actual situation.
Earning okay but somehow still broke at the end of the month.
I have no idea what I'll make next month. How do you even plan for that?
I just want to know I'm not spending too fast.
The story
Why Venaya is built for this decision.
Financial wellness — not neon neo-banking theater. One number. Seven honest signals. Clarity first. Automation when it earns trust.
Start without bank login
Manual tracking is fully supported. Bank connectors are not required, so you can test Venaya without sharing bank credentials.
A real score, not a random badge
The score explains its drivers: saving rhythm, emergency runway, budget pressure, debt, goals, and confidence.
Free means usable — core tracking, budgets, goals, and the score stay free forever.
Venaya Score (0–100)
A financial wellness signal from seven areas: Savings Rate, Emergency Fund, Budget Discipline, Debt Management, Spending Habits, Goals, and Confidence. Not a credit score — a clarity score.
How the score worksStatus Mode across six life stages
The dashboard adapts across Student, Employed, Self-employed, Between jobs, Retired, and Other — so goals and pressure points match the season you are in.
Track without a bank login
Log income and expenses yourself. Flexible category budgets, spending progress, and visual goals for emergencies, trips, education, and milestones — no credentials ever.
Goals & Garden
Each saving goal is a seed. Contribute regularly and watch it grow from seedling to tree. Visual progress that actually feels like progress.
AI Coach grounded in your data
Conversational coaching powered by Claude, grounded in your real transactions — explainable guidance, not generic tips. Reason by reason, not pattern by pattern.
AI Insights — automated analysis
Venaya reads your spending week by week and flags what changed, what to watch, and what's quietly getting better. No spreadsheet required.
How Venaya sits among personal finance apps
Different apps optimize for different jobs. Here is the honest lens — not a ranked scoreboard.
A single health number
Wellness signal with breakdown and next steps
Venaya Score 0–100 from seven signals; free ~2-min check, no account needed
Budgeting discipline
Category limits and goals you will actually maintain
Flexible budgets + visual savings goals on Free
Privacy first
No forced bank login
Manual-first by design; credentials never requested
Cross-border money
Multi-currency and live FX
150+ currencies; travel budgets on Pro
Coaching tone
Calm, specific, non-shaming
Coach, never judge; AI Coach grounded in your transactions
Paying only when useful
Real free core
Free forever core; Pro CHF 7.90/mo after optional trial
Pricing
Free to start.
Core tracking, budgets, goals, and the score stay free. Pro adds AI coaching and reports for CHF 7.90/month.
Is Venaya free?+
Yes. The Free plan does not require a credit card. It helps people understand their money, start tracking manually, and build confidence before deciding whether an optional paid upgrade is worth it.
Do I need to share my bank login?+
No. Venaya is intentionally manual-first. You log your own transactions, which means your bank credentials stay completely private — Venaya never asks for them.
What is the Venaya Score?+
It is a 0-100 financial health signal based on savings, emergency fund, budget discipline, debt, habits, goals, and financial confidence.
What is included in the Free plan?+
The Free plan includes the core experience: dashboard, manual transactions, budgets, visual savings goals, basic insights, Venaya Score, and manual currency conversion.
Your money,
finally clear.
Create a free account, try the score, and test core money tools while beta feedback still shapes the roadmap. No credit card, no bank login, no pressure.