Velora Plus

Velora Plus is a private finance planning app for organizing personal income, spending, bills, debt items, savings goals, and monthly scenarios directly on your device. The app helps you plan your month by life area, review expected income and spending, track recurring bills, and compare local finance scenarios without connecting bank accounts or external financial services. Create your own finance spectrum with categories such as home, utilities, groceries, mobility, health, subscriptions, savings, debt, travel, and more. Add income, spending, refunds, transfers, recurring payments, debt items, and savings goals using simple manual entries. Velora Plus includes a calendar-style pulse view for recurring items, a spending review grid, and a local scenario lab for comparing estimated debt and savings outcomes. All calculations are based on user-entered values and are intended for personal planning and organization. Features: - Manual income and spending records - Life-area finance planning - Recurring bills and subscription tracking - Debt and savings goal estimates - Spending review heatmap - Local scenario comparison - Custom categories and wallet labels - Monthly planning overview - Local data recovery tools - Privacy explanation and safe data guidance Velora Plus works without bank login, account aggregation, credit checks, market data, or financial account credentials. The app does not ask for card numbers, full account numbers, tax identifiers, passwords, or other sensitive financial secrets. All planner data is stored locally on your device and used for local estimated calculations. Velora Plus is designed for personal and household planning, not for financial advice, investment management, or banking services.