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 minutesYour financial picture
Your finances aren't just numbers.
Venaya reads all of them together — then tells you what they actually mean for your life.
Your savings cushion is solid, but your emergency fund covers less than two months. A gap there creates real risk even when everything else looks fine.
Scroll to see your financial picture come together
Inside Venaya
Your money, finally visible.
Venaya Score
This month
Goals
Emergency fund
Laptop upgrade
Travel fund
🏆 Emergency fund is next priority
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 accountHow it thinks
Numbers → meaning → action.
Most apps show you what happened. Venaya tells you what to do about it.
01
Understand
Your actual spending, savings rhythm, and emergency runway — not assumptions.
02
Interpret
Context matters. The same numbers mean different things in each life stage.
03
Prioritize
One or two things to fix this month. Not a 12-item wellness checklist.
04
Act
Concrete next steps grounded in your real transactions — not generic advice.
05
Grow
Watch your score improve as habits compound. Progress that actually feels like progress.
Context changes everything
Same numbers. Different life.
Venaya doesn't score your numbers in isolation — it reads them inside your actual situation.
Change life stage
Solid foundation. No debt keeps your options open, but your emergency fund sits at 1.8 months — below the 3-month threshold for your income level.
Increase emergency reserve by CHF 250/month before adding new financial goals.
Exact same savings, income, and debt profile. The score adapts to what these numbers mean in your context — not just what they add up to.
Goals & Garden
Financial progress should
feel like progress.
Each goal you set becomes a seed. As you contribute, it grows. Numbers stop feeling like numbers.
Japan Trip
CHF 360 of CHF 3,000
You have planted it. First contribution in, the seed is in the ground.
Emergency Fund
CHF 2,250 of CHF 5,000
Growing steadily. Consistent contributions are compounding.
New Laptop
CHF 1,230 of CHF 1,500
Almost there. The goal has taken real shape — you can see the finish line.
3-Month Buffer
CHF 5,400 — done
Achieved. This changed your score and your options.
Set a goal. Make one contribution. Watch it grow.
Plant your first goalPricing
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.