VeloFlow

VeloFlow brings your whole financial picture into one place. Connect your bank, credit card, loan, and investment accounts and see your net worth, your spending, and a clear plan for your debt — updated automatically, without a spreadsheet. VeloFlow reads your accounts. It never moves your money. Bank connections run through Plaid with read-only access, so VeloFlow can see balances and transactions but cannot make a payment, a transfer, or a withdrawal. WHAT YOU GET Net worth in one number - Link checking, savings, credit cards, loans, and investment accounts from thousands of institutions. Assets, liabilities, and net worth update automatically. Spending on autopilot - Your transactions sync securely and arrive grouped by category. See where the money actually went this month, search any merchant, and filter by category or period. No manual entry, no receipts to photograph. Debt payoff planner - Enter nothing. VeloFlow reads your balances and rates, then compares the two strategies that matter: Avalanche, which clears the highest interest rate first and costs you the least overall, and Snowball, which clears the smallest balance first, so you get a win sooner. See the payoff date and total interest for each and pick the one you will actually stick to. Credit utilization - Watch the ratio that moves your credit score most, across every card at once. If your bank does not report a limit, you can set it yourself. Investments - Track holdings and portfolio value alongside everything else, so your net worth reflects your whole position rather than just your bank balance. Budget by paycheck (Pro) - Most budgets assume you are paid on the first. This one covers your bills across your actual pay periods, with due dates and overdue alerts, so you don't miss anything. Smart Setup drafts a budget from your real spending in seconds. AI Money Coach (Pro) - Ask questions in plain English and get answers based on your own numbers, plus seven-day cash-flow predictions and a Sell-or-Hold analyzer for your holdings. FREE AND PRO Free: account linking, net worth, transactions, credit utilization, and the debt payoff planner. Pro: the Budget Planner with bill tracking, the AI Money Coach, cash-flow predictions, and portfolio analysis. SECURITY AND PRIVACY - Read-only access. VeloFlow cannot move, hold, or lend money. - You enter your bank credentials with Plaid, never with VeloFlow. We never see or store them. - Sign in with a passkey or Face ID — no password to leak. - Data is encrypted in transit and at rest, and the app signs you out automatically after inactivity. - Analytics and crash reporting can be switched off in Settings → Privacy, and stay off. - Delete your account from Settings, and your data, connections, and history go with it. A NOTE ON WHAT VELOFLOW IS NOT VeloFlow is a personal finance tracker. It is not a bank, a lender, a broker, or a financial adviser, and it does not provide financial, investment, tax, or legal advice. AI-generated insights are educational and informational only. Always speak to a qualified professional before acting on anything that matters. Questions? Open Help & Support in the app, or visit velo-flow.io/help.