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A time machine for your family's life

Can we afford it?Find out before you decide.

Most money worries are about later: the tax bill in spring, a year on less income, the home you might buy. Verena shows where your family's money is heading, so you can answer them in time.

Start planning See how it works

No bank login needed · start with an account or two

Today

Oct 2026

ActualIt happened. A fact.

Nothing booked.

Net worth

CHF 183,400

Liquid money

CHF 138,100

Example figures for illustration, not real data

Drag through time, or use the arrow keys

Why Verena

Your bank app shows what happened. You need to know what's coming.

Money rarely gets tight on an ordinary day. It gets tight when three big bills land in one month, or an income changes. Verena is made for those moments.

  1. 01No more surprises

    Will there be enough when the tax bill comes?

    See what every account holds on any day ahead, and where it gets tight, long before it does.

  2. 02Try it before you live it

    What if one of us goes down to 80 % next spring?

    Play it through on a copy of your plan. Nothing real changes until you decide.

  3. 03Know what's real

    Is that number a fact, a plan or a guess?

    What happened, what you intend and what's only assumed never look alike, so a hopeful number never passes for a fact.

The app

Today, and every month after it, on one screen.

What you own, what you can reach, what this month leaves over, and your net worth running from the past into the years ahead.

The Verena overview: net worth, liquid money and what the month leaves over, a chart of net worth from the past into the coming years, and a timeline of events below it.
The overview with sample figures, not real data.

2022 · Actual

Start from where you really stand.

Drop in your bank file or type the balance from your statement. Verena builds on real figures, and shows you when plan and reality drift apart.

One bank file, a short list to go through
  • Rentrepeats monthly
  • Health insurancerepeats every 3 months
  • Everyday spendingone monthly budget
  • Closing balancebalance check

An example. Nothing is saved until you accept it.

  • Your bank file, sorted

    A camt.053 or CSV file becomes a short list: what repeats, a normal month, the closing balance.

  • Catch up in a minute

    Type in a balance and the account snaps to it. Gaps are shown, not hidden.

  • Every account in one place

    Current and savings, investments and pensions, loans, the mortgage and credit cards.

  • Did it go to plan?

    Keep a copy of today's plan, and see later what turned out differently.

2026 · Today

Everything above this line has happened. Everything below is still ahead of you.

From here on the future is hatched and projections are dashed. Nothing pretends to be certain.

2027 · Planned

Your life has a rhythm. Your plan should know it.

Rent on the 26th, daycare until the fourth birthday, heating that costs more in winter. Say it once, and Verena works out every date from then on.

Rent · every month · on the 26thWeekend: the Friday before

One rule. Its dates are worked out as you look, never typed in.

  • One day for all the bills

    Everything on the 26th, or the Friday before. Move the day, and every bill follows.

  • Everyday life as budgets

    One monthly budget for groceries, one for going out. Extras come out of them, not on top.

  • Costs that follow the seasons

    Heating from December to March, every year, set up once.

  • Plans that grow with your children

    Daycare from the first birthday to the fourth, tied to the birthday, not to a date.

  • Things that creep up

    A salary that rises 2 % a year, a premium that keeps climbing.

2028 · Projected

See the tight month while there's still time.

Verena runs your plan forward and finds the tightest point of the next twelve months, and the first day an account would go into the red. Early enough to do something about it.

Lowest point in the next 12 monthsToday

  • Why was money so tight?

    Pick any stretch of time and see which payments pulled the money down.

  • Interest and returns, honestly

    Assumptions with a cautious and a hopeful path, and a mortgage that changes rate when its fixed term ends.

  • Credit cards, the way they work

    Statement day, limit and interest. Paying the card counts once, not twice.

2029 · Simulated

Try a decision before you make it.

Fewer hours, a second child, a bigger flat. Play it through on a copy of your plan, compare it with what would happen otherwise, and take over only what you decide on.

RealityA what-ifA variation of it

Take over what you choose, from today

  • A head start for big steps

    A child, retirement, a break in income, a home or a car: answer a few questions and the what-if is ready.

  • What if something goes wrong?

    An income stops, costs rise, markets fall: see how many months your money would last.

  • Will the bank say yes?

    The Swiss affordability check on your own figures, and the highest price that fits. An estimate, not a credit decision.

The assistant

Ask the way you'd ask each other at the kitchen table.

It answers with the same calculations as the rest of the app, explains them in plain words, and saves nothing until you say yes.

Off until you switch it on · speaks English and German

Could we manage a year on one income?

Looked at: both incomes, the joint account, the next 12 months

Not quite as things stand. On one income the joint account first goes below zero in March, when the tax bill lands. A smaller second payment would be enough to keep it above zero.

An example conversation. Nothing here is real data.

Your data

Your numbers stay in your household.

  • Sign-in knows who you are, nothing more

    Clerk handles signing in. Your accounts, plans and figures stay in Verena's own database.

  • Only your household gets in

    To anyone else, there's no sign it even exists.

  • The assistant waits for your yes

    Only once you switch it on are your questions, with the names and figures an answer needs, sent to an AI provider. Switch it off any time.

  • Take it with you, or delete it

    Download everything Verena holds about you, or delete your account, right from the app.

Stop guessing. Start seeing what's ahead.

Begin with what you already know: an account or two, the rent, the salaries. Invite your partner when you're ready, so you're both looking at the same picture.

Start planning

No bank login needed · start with an account or two