See every dollar. Clear every debt.
Link your accounts once and watch your real net worth, spending, and payoff plan update themselves — with AI insights that tell you what to do next.
Free to start · Read-only bank access · Set up in minutes
Total net worth
$154,320.50
Live net worth
Checking, savings, cards, loans, and investments in one number that updates as your accounts do.
Debt payoff plans
Compare avalanche and snowball side by side and see the exact month you become debt-free.
Paycheck budgeting
Plan each check against real bills and savings, with overdue and due-soon alerts before they bite.
AI insights
Plain-language nudges about your cash flow, spending, and what to prioritize this month.
Every transaction, sorted for you
Purchases land already categorized, income is recognized automatically, and your spending picture stays current without a spreadsheet in sight.
Institutions supported
Bank access
Sync delay
One app for everything money
Tracking, planning, and growing stop living in three different apps and start working together.
Track
Know exactly where you stand, always.
- Net worth across every linked account
- Transactions sorted by category
- Credit utilization per card
- Spending trends over 90 days
Plan
Turn "someday" into a dated plan.
- Avalanche vs. snowball payoff
- Pick which debts to include
- Paycheck-by-paycheck budgeting
- Bill due dates and overdue alerts
Grow
Watch the other side of the balance sheet.
- Holdings, allocation, and returns
- Gain/loss on every position
- AI portfolio analysis
- Round-ups toward your goals
Insights that actually know your money
VeloFlow reads your real balances, bills, and spending to surface what matters this week — in plain language, before you think to look.
Insights are educational and informational only — not financial, investment, or tax advice.
Your checking balance won't cover the $2,920 mortgage due in 5 days. Moving $800 from savings now avoids a late fee.
Target the 24.99% APR card first — ahead of the others it saves $1,478 in interest and clears your debt 4 years earlier.
Food and drink is up 34% over your 3-month average — $612 so far this month across 34 transactions.
Built for people getting their money in order
VeloFlow is new, and we’d rather earn reviews than invent them. No borrowed logos, no imaginary users — just what the app actually shows you once your accounts are linked.
Every account, one number
Link checking, savings, cards, loans, and investments through Plaid, and your real net worth appears as a single live figure.
Spending that sorts itself
Transactions land already categorized, income is recognized automatically, and recurring bills surface before they hit.
A debt-free date
The payoff planner simulates avalanche and snowball against your actual balances and APRs, and puts a date on being done.
Security & Compliance
Your financial data is sensitive, so VeloFlow is built to hold as little as possible and protect all of it.
Encrypted end to end
Traffic is protected with TLS and bank access tokens are encrypted at rest with AES-256-GCM, with keys stored separately from the data.
Passkeys & biometric login
Sign in with Face ID, Touch ID, or a passkey. Passwords are hashed with bcrypt and never stored in plain text.
Read-only by design
VeloFlow connects through Plaid with read-only access. We never see your bank login, and the app cannot move your money.