Every transaction, captured in seconds.
Every dollar, intentional.
Velnora is the private financial operating system for individuals who reject messy spreadsheets and invasive bank logins. Sub-2s natural language entry, automated subscription radar, and real-time safe-to-spend guardrails.
$93 / day
Weekend buffer factored in
$363.90
Budget: $2,400
$1,482
Figma Professional
Amex Card • Just now
-$15.00
SubscriptionsTrader Joe's
Checking • 2h ago
-$82.40
GroceriesEquinox Gym Club
Checking • Yesterday
-$220.00
FitnessUber Airport Fare
Sapphire Card • 2d ago
-$46.50
TravelFixed overhead: $148.50 / month
Figma Pro
Renews today
$15.00
Auto-syncNetflix 4K
In 3 days
$19.99
PendingGitHub Copilot
In 11 days
$10.00
Pending$8,200 of $10,000 target
Empowering disciplined spenders, founders, and engineers worldwide
Money leaks quietly. Traditional budgeting notices far too late.
Most budgeting software forces you into hours of tedious manual bookkeeping or demands full read access to your bank passwords. Velnora was engineered to provide instant clarity without compromises.
Engineered for effortless control, not spreadsheet anxiety.
Every component in Velnora was crafted to remove friction between daily spending and executive clarity.
Natural Language & SMS Ingestion
Type 'Dinner with Maya $42 on Amex' or paste any raw bank SMS. Instant category parsing, payment method matching, and zero form fatigue.
Subscription Renewal Radar
Never get surprised by annual renewals again. Countdown timers, fixed monthly burn totals, and automated ledger sync when charges execute.
Safe-to-Spend Daily Allowance
Replaces restrictive budgeting with a dynamic daily discretionary ceiling. Allocates extra buffer for Friday-Saturday leisure spending.
Multi-Account & Credit Radar
Monitor checking, savings, and credit cards in one unified view. Strict 30% credit card utilization guardrails protect your credit score.
Day-by-Day MoM Velocity
Visualizes cumulative Day 1 to 31 spending velocity against last month. Linear extrapolation projects exact month-end variance.
Savings Pots & 1-Tap Funding
Create visual target envelopes for emergency funds, travel, or investments. Boost savings with rapid 1-tap micro-allocations (+$50, +$100).
Try our algorithms free. Zero signup required.
We engineered five standalone mathematical tools and a 50+ SaaS pricing directory to solve everyday financial calculations.
Split Bill & Tip Calculator
Even or itemized expense splitting with custom tips, tax, and 1-click WhatsApp breakdown share.
Subscription Burn Calculator
Calculate your annual recurring burn and discover how much those subscriptions would yield in the S&P 500.
Safe-to-Spend Daily Calculator
Determine your exact daily discretionary spending allowance after rent, fixed bills, and savings goals.
50 / 30 / 20 Budget Rule Optimizer
Harmonize your monthly income into 50% Needs, 30% Wants, and 20% Wealth Building with visual allocation gauges.
Savings Goal & Compound Interest
Calculate required monthly contributions and timeline projections with compound annual yields.
SaaS Subscription Pricing Directory
Search current 2026 pricing, plans, tiers, and free alternatives for Netflix, Spotify, ChatGPT Plus, and more.
A workspace that stays calm as your ledger expands.
From your first coffee to ten thousand line items, Velnora delivers sub-50ms filtering, persistent column visibility, and statistical forecasting.
HubSpot-Grade Expense Ledger
Persistent column preference cached in browser
Credit Utilization Radar
30% Optimal Guardrail
Safe buffer remaining: $925 before crossing optimal 30% boundary
MoM Velocity Trajectory
Day 1 to 31 burn vs Last Month
From first spend to financial clarity in three steps.
No complex setups. No 40-step wizard. Zero bank password handoffs.
Connect or Seed Your Accounts
Add your checking, savings, and credit cards with starting balances. Zero sensitive bank login credentials required.
Capture Daily Spend in Seconds
Log expenses with natural language, 1-tap quick chips, or paste bank alert SMS messages directly into the dialog.
Watch Financial Intelligence Take Over
Your Safe-to-Spend recalculates, subscriptions track renewal dates, and MoM velocity charts predict your month-end finish.
Measured financial outcomes, not vanity analytics.
Real metrics achieved by prosumers who switched from spreadsheets to Velnora.
$420+
Average annual subscription waste identified per user
< 2s
Time to log an expense with natural language capture
30%
Credit utilization guardrail to protect credit scores
100%
Private with row-level security — zero bank credential sharing
Trusted by engineers, founders, and disciplined operators.
People who outgrew basic spreadsheets and refused to give third-party apps their bank logins.
“I replaced an unwieldy Google Sheet and three budgeting apps with Velnora. The Safe-to-Spend daily allowance completely changed how I think about discretionary spending.”
Alexandre Moreau
Senior Software Architect • Lumen Labs
“The Credit Card Utilization radar alone is worth gold. Knowing the moment my cards approach 30% before my billing cycle closes saved my credit score from taking a hit.”
Siddharth Verma
Founder & CEO • Volt Systems
“Every other app demands read-only access to my bank credentials. Velnora gives me instant SMS paste, natural language quick-add, and offline control without harvesting my logins.”
Elena Rostova
Principal Product Designer • Northwind
Predictable pricing. Never sell your data.
Start free on our community tier. Upgrade when automated sync, credit radars, and multi-account tracking make you money.
Starter
Essential personal finance ledger with privacy by design.
What's included
- Up to 60 transactions per month
- Up to 3 recurring subscriptions
- 2 financial accounts (Checking & Cash)
- Daily Safe-to-Spend allowance
- Standard CSV export
- Full access to 5 free public tools
Velnora Pro
Billed $49 annually (Save 40%)
The complete financial operating system for high-performing professionals.
What's included
- Unlimited transactions & ledger history
- Unlimited recurring subscriptions & alerts
- Unlimited accounts & credit cards
- Automated subscription ledger sync
- 30% Credit Card Utilization Radar
- Predictive MoM velocity & month-end pacing
- Bank SMS notification parser
- CSV & Excel bulk import & statement reconciler
- Priority customer engineering support
Lifetime Member
Pay once, own Velnora forever. Never worry about another subscription fee.
What's included
- All Velnora Pro features included for life
- Zero recurring fees or renewal charges
- Early beta access to AI financial agents
- Direct roadmap voting access
- Private founder Slack community access
- Dedicated data migration concierge
Everything you need to know about privacy and architecture.
Clear, direct answers about data sovereignty, security, and our calculation engines.