Take control of your financial future and master your budget with Vela Money! Designed as a simple, privacy-first personal assistant, this app helps you track upcoming expenses, manage monthly saving goals, and build a concrete roadmap toward early retirement.

HOW THE APP WORKS (USER MANUAL):

Smart Financial Events: Add any upcoming expense you want to save for in advance (e.g., car insurance, vacation, road tax). For each event, give a target amount and the date you need it by — the app automatically works out how much to set aside each month so you reach the amount in time, without scrambling at the last minute.

Dynamic Monthly Calendar: See, month by month, how much you need to set aside in total (the sum of all active events for that month). Tap the card at the top to see the detailed breakdown by event. Please note that past months cannot be estimated retroactively.

Overview Dashboard: Get a quick summary of the current month. See exactly how much you need to set aside this month (with a clear breakdown per event) and track your total progress toward all goals, displayed as a motivation percentage.

Early Retirement Planner: Build a personalized retirement plan! Enter the age you want to retire, your estimated remaining lifespan, and your desired monthly withdrawals. Vela Money will calculate how much total wealth you need at retirement and how much you should set aside monthly to get there. You can update your actual balance anytime, and the contribution recommendation will recalculate automatically.

100% PRIVACY-FIRST FOCUS:
Vela Money has no server of its own and does not send your financial data to any third party. All information you enter (events, contributions, portfolio details) is stored exclusively on your device and can be completely deleted at any time by simply uninstalling the app.

DISCLAIMER:
Vela Money is provided "as is", without warranties of any kind. The savings and retirement calculations shown are for informational purposes only and do not constitute professional financial advice. You are solely responsible for any financial decisions made based on this information.