Vera AI: Money, Made Easy

100% free, no subscription, no ads. Connect your bank, Venmo, PayPal and more — or start manually. Vera answers the question that matters: what's safe to spend right now?

Vera AI: Your Money Coach, 100% Free

As seen in Forbes, Inc., and Yahoo Finance.

Vera is the free AI money coach that answers the one question everyone needs answered every day: what is safe to spend right now? She turns your real financial data into calm, clear guidance so you always know where you stand and what you can afford.

Unlike other apps, Vera is 100% free for all features. No subscription. No ads. No catch. We never sell or monetize your data. Ever.

SAFESPENDING: THE ANSWER TO "CAN I AFFORD THIS?" Before you buy, ask Vera. Get a clear yes, no, or spend this much answer, with a reason why. No more guessing, no more checking four different apps. One number. Real confidence.

CONNECT YOUR ACCOUNTS, LET VERA TAKE THE WHEEL Link your bank, credit cards, Venmo, PayPal, and more through Plaid and Vera handles the rest. Real-time data flows in automatically. See your full financial picture from all your accounts in one place, with automatic categorization, smart reports, and insights that get deeper the more Vera sees. Set it up once and stay on top of your money without lifting a finger.

MANUAL MODE: TRACK WHAT YOUR ACCOUNTS DON'T SEE Cash tips, side-hustle income, or anything that does not show up in a connected account, add it by hand so Vera never misses it. Also a great way to try Vera before you connect.

SAVINGS GOALS: Build Real Financial Security Set a savings goal and let Vera break it into doable steps, track your progress, and keep you motivated, whether you are saving for an emergency fund, a vacation, or paying off debt.

SUBSCRIPTIONS: SEE EVERY RECURRING CHARGE, ONE CALENDAR See every subscription you're paying for, side by side with your bill reminders on one clean calendar. Vera detects recurring charges automatically through Plaid — streaming services, software, memberships, that app you forgot about — with monthly and annual totals so the real cost is obvious at a glance. When one isn't earning its keep, Vera points you to the exit: a direct link to the merchant's cancel page, or a step-by-step walkthrough. No scraped passwords, no middlemen, no hidden fees.

24/7 JUDGMENT-FREE SUPPORT Money stress is real. Vera is a calm, supportive place to talk through financial worries and get clear next steps, any time, no judgment. Ask anything. Get real answers.

PRIVATE BY DESIGN Your data is always encrypted. You control which accounts you connect, and you can disconnect or delete your data anytime. No ads. No data selling. No nonsense. Powered by Plaid, trusted by millions.

LOOKING FOR A MINT ALTERNATIVE? If you are coming from Mint, Rocket Money, or another budget app and want something smarter and truly free, Vera is built for you. No subscription required, ever.

Vera is not affiliated with YNAB, Mint, Cleo, Rocket Money, PocketGuard, Monarch, or Credit Karma.

Download Vera free today and take the guesswork out of your money.

Vera provides information and financial organization tools and is not a substitute for professional financial advice.