Start without bank access
Track manually first. Connectors can come later; Venaya should not need your bank login just to be useful.
Public BetaFree to join. No credit card.
Finally know
where you stand.
A 0–100 financial health score, a dashboard that adapts to your life stage, and calm daily money tracking. No bank login required.
0–100Health score, not just a balance
6Life stages supported
150+Currencies
0Bank logins required
The story
Venaya started with one quiet question: am I okay?
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?
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.
The promise is simple: start manually, understand your score, see what changed, and know the next calm action.
The 3am money map
The real pain is not tracking. It is not knowing.
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
Clarity first. Automation when it earns trust.
Venaya is built for people who want to understand their money before handing more data to another app.
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. Pro is for forecasting, reports, deeper coaching, and advanced planning.
Built for life changes
Country, currency, and life stage settings can move with you instead of forcing one fixed money template.
Proof, honestly
Trust signals without fake reviews.
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
The product is online, testable, and monitored while Venaya keeps improving with real user feedback.
No bank login required
The app is useful before any future connector exists. Manual tracking is a privacy feature, not a missing feature.
Payments stay inside Stripe
Venaya does not store card numbers. Stripe handles checkout, invoices, trials, payment changes, and cancellation.
Reviews will be real
No fake Google reviews, no invented testimonials. Public quotes will appear only after beta users approve them.
Beta feedback we are collecting now
These will become real testimonials only when users give permission.
Did Venaya help you understand what to fix first?
Could you add transactions, budgets, and goals without confusion?
Did the score feel explained instead of random?
Built different
Adapts to you.
Not the other way.
Status Mode
Venaya changes what it highlights depending on the person's stage of life.
Venaya Score
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
Ask anything about your money. Coach reads your real transactions and responds with context, not generic scripts.
Global setup
Currency, language, country context, and travel spending can adapt over time.
Status Mode
Same app.
Different reality.
Most apps show one dashboard to everyone. Venaya adapts: what matters, what to protect, what to grow — depending on where you are in life.
Get started🎓
First habitsStudent
Small budgets, big decisions
💼
Build stabilityEmployed
Salary rhythm and subscriptions
💻
Runway modeSelf-employed
Irregular income and taxes
🕰️
ProtectionBetween jobs
Priority bills and runway
🌅
Peace of mindRetired
Predictability and essentials
✨
Your rhythmOther
Custom goals, your own pace
Venaya Score
One number.
Seven honest signals.
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.
Get my score — free💰
Savings Rate
On average, what percentage of your monthly income do you actively save?
🛡️
Emergency Fund
If your main income stopped today, how many months of living expenses could you cover from liquid savings?
🎯
Budget Discipline
How closely do you follow a monthly budget with spending limits by category?
⚖️
Debt Management
What is your current consumer debt situation?
Pricing
Free to start.
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.
Questions
The objections, answered.
Before someone trusts a finance app, they need plain answers about privacy, pricing, score logic, and what is actually free.
Read all Q&AIs 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.
Is Venaya only for Switzerland?+
No. Venaya should feel global from the beginning. Currency, language, and local context can adapt over time without making the product Swiss-only.
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.
What belongs in Pro?+
Pro is for deeper automation and personal intelligence: receipt scanning, investment views, net worth tracking, reports, forecasting, scenario modelling, and subscription optimization. Teams is for shared planning. Business is for advisor/admin work, exports, controls, and reporting.
Public Beta · Free
Your money,
finally clear.
Join while beta feedback still shapes the roadmap. Start with the free score and core money tools. No credit card, no bank login, no nonsense.