Track subscriptions, bills, loans, memberships, and recurring expenses in one place — then let AI uncover savings opportunities automatically.
✦ 7-day free trial · No credit card required
Built for the subscriptions and payments you already use
Subscriptions renew quietly. Bills arrive at different times. Streaming, AI tools, insurance, loans, memberships, and utilities all add up — and most people never see the full picture.
Average annual subscription spend per household
People forget at least one recurring payment each year
Place to track subscriptions, bills, loans, and budgets
Surprise fees when you stay ahead of every renewal
See every subscription, bill, and loan in a single view. Know exactly what's due, when, and how much you're spending — month over month.
Understand your spending with a financial health score, budget breakdown, and concentration analysis across every category.
Personalized financial guidance powered by your real recurring payment data — not generic advice.
Natural language questions answered using your actual payment history and patterns.
Spot overlapping services in the same category you might be paying for twice.
Proactive savings suggestions before charges hit — not after they've already cleared.
Discover exactly how much you could save by reviewing optional or unused subscriptions.
See which single categories dominate your budget and flag high-risk concentration.
Know your cash flow 30 and 90 days out. No more end-of-month payment surprises.
Stay ahead with upcoming payment views, cash flow projections, and renewal timelines so nothing catches you off guard.
Visualize upcoming payments with a built-in calendar designed for recurring expenses.
Vellor goes beyond tracking — it actively watches out for you.
Set a reminder before any trial or subscription renews so you're never charged by surprise. Your wallet, your rules.
Never get caught off guardVellor flags the moment a subscription quietly raises its price — and shows you exactly how much more you'll pay annually.
Know before you're chargedSplitting a bill with a roommate or partner? Track your exact share and see only your portion in your monthly totals.
Split fairly, track clearlyStart free. Upgrade when you're ready for the full picture.
Your financial information is yours alone. Vellor is designed with privacy and security at its core — you stay in control of your data, optional integrations remain your choice, and we collect only what's needed to deliver the features you use.
Your data belongs to you. We don't sell, share, or monetise your personal financial information.
Vellor works fully offline from your bank. Add payments manually and stay in control without linking any accounts.
Multi-currency support so users everywhere can manage recurring expenses in their local currency.
Privacy and security are considered at every stage of what we build — not bolted on afterwards.
"Finally an app that just shows me what I'm spending on recurring payments without making me connect my bank. The AI coach spotted two subscriptions I totally forgot about."
"The forecast view is genuinely useful — I can see exactly what's hitting my account next month before it happens. Other apps don't do this as cleanly."
"I manage expenses in multiple currencies and Vellor handles it without any fuss. The financial health score makes it easy to see at a glance how I'm doing."
No. Vellor works perfectly without connecting a bank account. You can manually track subscriptions, bills, loans, and recurring payments. Secure bank integrations may be offered in the future as a fully optional feature.
Yes — Vellor supports 150+ currencies including USD, GBP, EUR, CAD, AUD, NGN, GHS, KES, ZAR, INR, JPY, CNY, BRL, and many more. Simply set your preferred currency in settings and all your totals, reports, and AI insights will reflect it.
Many budgeting apps require extensive setup, mandatory bank connections, or complicated workflows. Vellor focuses on helping you clearly understand and manage recurring expenses with a fast, intuitive experience — no configuration overload.
No. We believe pricing should be transparent and easy to understand. Any premium features or subscription plans will always be clearly communicated upfront.
Absolutely not. Your information belongs to you. Vellor is built with privacy in mind and does not sell your personal financial data to advertisers or third parties.
Absolutely. Vellor is built for a global audience — whether you're in Nigeria, the UK, Canada, India, or anywhere else. The app supports 150+ currencies and is designed to work for every country and region.
We're currently in early access. Join the waitlist to be among the first to get access when we launch — including a 7-day free trial of Pro.
Join the Vellor early access list and be first to know when we launch.
