How it works
How Veowe works, step by step
Veowe turns debt and savings into visual projects you can watch progress. You can track everything manually, or add an optional read-only open-banking connection on a paid plan for hybrid tracking. Veowe never moves money or makes repayments.
1. Create a money project
A money project is one debt you want to clear or one savings goal — a credit card, a loan, an overdraft, a buy-now-pay-later balance, a family debt, an emergency fund or a holiday pot. Give it a name and pick a category so it's easy to spot in your list.
You set projects up manually, which works for any bank, card, loan or provider. If you prefer hybrid tracking, a paid plan adds an optional read-only current-account connection, where detected outgoing payments can be linked to a manual project after you confirm them.
2. Enter the amount and payment schedule
Add the original debt amount, the current balance, your regular payment, and how often you pay (weekly, fortnightly or monthly). Veowe takes care of the maths.
You can also add the APR and minimum payment, but these are optional in the MVP.
3. Choose a visual animation
Pick the picture that motivates you — a wall, a progress bar, scales, a mountain, a foundation rebuild, a jar or a calm mood light. You can change it at any time without affecting your data.
4. Confirm payments
When a scheduled payment is due, Veowe prompts a quick check-in. Confirm it, log an overpayment, snooze for 24 hours, skip without judgement, or pause the schedule entirely.
5. Watch progress update
Every confirmed payment animates your visual, updates your streak and recalculates your projected cleared date. Overpayments trigger a stronger pulse.
6. Adjust when life changes
Pause, increase a balance, cancel a schedule or mark the debt as cleared whenever you need. Veowe treats setbacks calmly — the app is built to keep you engaged, not to shame you.
Frequently asked questions
How long does it take to set up Veowe?
Most people set up their first debt project in under two minutes — name, balance, payment amount, frequency and start date.
Do I need an account to use Veowe?
You can use Veowe on a single device, or create an account so your debts, savings and check-ins are kept in your Veowe account and available across devices. You can export or delete your account data from your settings at any time.
Can I track multiple debts at once?
Yes. The paid plan includes unlimited debt projects, each with its own animation and schedule.
What happens when I confirm a payment?
Your balance reduces, the visual animates, your streak updates, and the next due date is recalculated automatically.