See every dollar. Clear every debt.
VeloFlow is a free personal finance tracker for web and Android that links your bank, card and loan accounts read-only through Plaid and shows your net worth, spending and debt payoff plan in one place. Link your accounts once and watch your real net worth, spending, and payoff plan update themselves, with AI insights that explain where your money goes.
Free to start · Read-only bank access · Set up in minutes
Total net worth
$154,320.50
What VeloFlow does
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.
Frequently asked questions
No. VeloFlow is a personal finance tracker, not a bank, lender, or broker. It does not hold, move, or lend money — it reads your existing accounts so you can see and plan around them in one place.
Checking, savings, credit cards, loans, and investment accounts from over 12,000 institutions through Plaid, our bank-connection provider. You can also enter a credit limit manually when your bank does not share one.
Through Plaid, with read-only permission. You enter your bank credentials with Plaid — never with us — and we only receive balances, transactions, and holdings. VeloFlow has no ability to initiate a payment or transfer.
We send a limited financial summary — balances, category totals, and bill or holding names — to Google Gemini to generate your insight. We never send your name, email, account numbers, or credentials, and the data is used only to produce the insight you see. Insights are educational and are not financial, investment, or tax advice.
Linking accounts, net worth tracking, transactions, credit utilization, and the debt payoff planner are free. Pro adds the Budget Planner, AI portfolio analysis, cash-flow insights, and round-ups.
Yes. Deleting your account removes your personal data, linked bank connections, and financial history within 30 days, from Settings under Privacy. You can also disconnect a single institution while keeping your account, from Settings under Linked Accounts — that revokes our access at the bank and deletes the data we hold for it.