Velora Reserve Live

Velora Reserve helps you plan repayment for your own debts using local, offline calculations. Save multiple debts and review each one separately without applications, lender contact, product matching, or investment recommendations. Enter the starting balance, fixed nominal annual rate, term, calculation date, first payment date, and an optional note. Preview the estimated monthly payment before saving. Build named scenarios for a selected debt by entering monthly funds available after required expenses and payments, the amount you want to keep protected, and your desired extra payment. The app shows the permitted extra amount, any shortfall, unused funds, estimated payoff date, interest, savings, and months reduced. Scenarios never register actual payments or combine money across different debts. Compare a scenario with the original schedule, inspect monthly balances, and view required and extra payments, interest, principal, and ending balances. Actual payments are recorded separately on scheduled dates, so forecasts remain distinct from registered activity. An optional camera feature can attach one photo of a paper record to a payment; photos stay in private local storage and do not affect calculations. Review a chronological history of changes, choose date and text-size settings, reopen the introduction, or clear local data with confirmation. Calculations use a fixed nominal annual rate with monthly interest, high-precision decimal arithmetic, and cent-based rounding. The app uses US dollars without conversion, requires no account or internet connection, and stores debts, scenarios, payments, settings, and personal ratings on your device. Results are user-entered planning estimates, not credit offers.