Vera: AI Money Made Personal

Vera Money

About this app

Vera AI is a free AI money coach and budget app that answers one question instantly: is it safe to spend right now? No spreadsheets, no subscription fee, no ads - just a straight answer from your personal spending tracker.

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

SAFESPENDING - YOUR MONEY QUESTION, ANSWERED
Ask Vera "what’s safe to spend?" and get a yes, no, or exact dollar amount based on your real balance, upcoming bills, and income. It’s the fastest way to budget without opening a single chart.

24/7 AI MONEY COACH
Vera is a judgment-free AI money coach you can chat with anytime. Ask about your spending, your savings goal progress, or whether you can afford something - and get a real answer, not generic advice.

BANK SYNC, POWERED BY PLAID
Connect checking, credit cards, Venmo, and PayPal in seconds. Vera auto-categorizes every transaction so your spending tracker stays accurate without manual entry. No Plaid account? Use manual mode to log cash tips or side-hustle income.

SAVINGS GOALS THAT ACTUALLY WORK
Set a savings goal - a trip, an emergency fund, a new phone - and Vera breaks it into steps you can hit on your income and schedule.

BILL REMINDER & SUBSCRIPTION TRACKER
See every bill and subscription on one calendar. Get a bill reminder before charges hit, catch recurring charges you forgot about, and cancel unwanted subscriptions with one tap. This subscription tracker alone can pay for itself in cancelled charges - and Vera is still 100% free.

PRIVACY FIRST
Bank-level encryption. We never sell your data. Full stop.

100% FREE BUDGET APP - NO SUBSCRIPTION
Unlike other budget apps, Vera doesn’t paywall SafeSpending, bank sync, savings goals, or the bill reminder and subscription tracker. It’s a genuinely free budget app - no subscription, no premium tier, no trial that expires.

BUILT FOR GEN Z AND YOUNG ADULTS
Vera is designed for people building their first real budget, juggling side-hustle income, or dealing with subscription fatigue from every other app charging a monthly fee.

LOOKING FOR A MINT ALTERNATIVE OR ROCKET MONEY ALTERNATIVE?
Since Mint shut down, people have been searching for a free replacement. Vera is a strong Mint alternative and Rocket Money alternative: budgeting, spending tracker, bill reminder, subscription tracker, and savings goal tools, without the price tag. Vera is not affiliated with YNAB, Mint, Cleo, Rocket Money, PocketGuard, Monarch, or Credit Karma.

WHAT’S INSIDE
- SafeSpending instant answers
- AI money coach chat, 24/7
- Bank sync via Plaid (or manual entry)
- Spending tracker with auto-categorization
- Savings goals with step-by-step plans
- Bill reminder and subscription tracker
- Recurring-charge detection
- Vera Banking with automatic transfers (waitlist)
- Desktop web app

Download Vera - the free AI money coach that finally answers "can I afford this?"

Privacy Policy: https://veramoney.com/privacy
Support: [e-mail]

What’s new

Vera 5.0 is here — and she's sharper than ever.
What's new:
• Refreshed design: a cleaner, more insight-forward experience so your most important numbers are always front and center
• Use Vera on desktop: your full financial picture, now accessible from any web browser
• Vera Banking waitlist: sign up for automatic transfers to savings — so your money never just sits in checking doing nothing
Still 100% free. No subscription. No ads. No catch.