Venaya

Most finance apps tell you what you spent last Tuesday. Venaya tells you something more useful: whether your finances are actually okay. Venaya is a financial wellness platform built around a single 0–100 score your Venaya Score. It measures the real health of your finances across six dimensions: savings rate, emergency fund runway, spending pressure, debt situation, goal progress, and financial confidence. Not your balance. Not your transactions. Your actual financial health. The problem with most budgeting apps Every major budgeting app asks you to connect your bank account before it gives you anything. That means sharing your credentials, your transaction history, and your financial behaviour with a third party before you've even decided if the app is worth using. For millions of people, that's a dealbreaker. On top of that, most apps show you what already happened. They categorise your spending, draw charts, and tell you where the money went. But they don't answer the question that actually keeps people up at night: am I going to be okay? What Venaya does differently Venaya works without a bank login. You enter your numbers manually income, savings, debts, goals and Venaya builds a complete picture of your financial health in minutes. No credentials. No open banking. No third-party access to your accounts. Your data stays private by design. Instead of tracking every transaction, Venaya focuses on the metrics that actually predict financial wellbeing: how much you save each month relative to your income, how many months of expenses you could cover in an emergency, whether your spending is squeezing out your ability to save, and whether you're making real progress toward your goals. Life stage awareness A 22-year-old student, a 35-year-old professional with a mortgage, and a 55-year-old planning retirement have completely different financial priorities. Most apps ignore this. Venaya adapts to your life stage: student, early career, professional, family, or pre-retirement and adjusts its scoring weights, insights, and goal suggestions accordingly. The app you use at 25 should feel different from the app you use at 45. Venaya does that automatically. Multi-currency, built in Venaya supports any currency combination from day one. If you earn in CHF, save in EUR, and have a debt in GBP, Venaya handles it without workarounds. Built for expats, international students, digital nomads, and anyone whose financial life doesn't fit neatly into one country or currency. Goal tracking that feels alive Savings goals in Venaya aren't just progress bars. They're part of your score, connected to your life stage, and designed to grow with you as your circumstances change. Whether you're building a first emergency fund, saving for a move, or working toward financial independence, your goals are visible, measurable, and tied directly to your overall health score. Try it free — no card, no bank login, no commitment Venaya's free plan gives you the full financial health score, goal tracking, and core dashboard. Pro unlocks advanced insights, AI-powered recommendations, and priority support for CHF 7.90/month with a 14-day free trial. The score check at venaya.app/score-check takes 30 seconds and requires nothing. No account, no login, just four honest questions. Who Venaya is for Venaya is for anyone who wants to understand their finances without handing over their bank credentials. That includes people who've tried budgeting apps and given up because they felt overwhelming, expats managing money across multiple countries and currencies, students building financial habits for the first time, and professionals who earn well but aren't sure if they're actually on track. If you've ever wondered "am I doing okay financially?" and couldn't find a clear answer. Venaya was built for that exact question.