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Vera Wealth

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Vera is a personal finance coach that explains your money with your own numbers

By Arnav Mukherjee · Finance
Debuts score 85NewRate it first

Why we expect it: The description clearly explains concrete value, private design, and careful disclaimers, making it a strong debut.

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In short

Vera Wealth is a personal finance app that answers questions about your money using the rough numbers you enter for income, spending, savings, debts and goals. It runs calculators for emergency funds, debt payoff, home affordability, retirement odds and U.S. tax estimates, and lets you save and track plans on your phone without an account. What stands out is that it never connects to bank accounts and stores your numbers on the device.

Summary by Debuts, based on the App Store listing.

About

Vera is a personal finance coach that explains your money with your own numbers.

Add a few rough numbers (income, spending, savings, debts and goals), then ask anything:

• How big should my emergency fund be? • Which debt should I pay off first? • Can I afford this home? • Could I retire at 50? • What does a 1% advisory fee really cost me? • My RSUs vest soon. What should I know?

Vera answers in plain language, shows the math, and lays out your options and the tradeoffs of each, so you can decide. The numbers come from tested calculators, not guesses: 5,000 simulated markets for retirement odds, month-by-month debt payoff plans, home affordability with the full monthly cost, and U.S. federal and state tax estimates.

SAVE YOUR PLAN Tap "Save to my plan" on any answer to keep it, and track goals like an emergency fund, a home, and retirement.

PRIVATE BY DESIGN • Your numbers are stored on your phone. No account, no sign-in. • No bank logins: Vera never connects to your accounts, so it can't see or move money. • No ads, and your data is never sold. • "Delete my data" erases everything in one tap.

WORKS WHERE YOU LIVE Enter amounts in your own currency. Vera's tax and home calculators follow U.S. rules; in other countries, including India, Vera works in your currency (₹ with lakh and crore) and explains local options in general terms.

HOW IT WORKS Answers are written by Anthropic's Claude AI, using Vera's calculators. Before your first question, Vera asks for your OK to send your question and numbers to Claude. You can turn this off at any time.

Vera is for education and planning. It isn't a registered investment adviser, and nothing in the app is investment, tax or legal advice. It never tells you to buy or sell a specific security. For decisions about your situation, talk to a qualified professional.

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