Safe to Spend
Know what's actually free to use.
Current balance€2,550.00
Bills & essentials-€1,120.00
Future expenses-€390.00
Planned savings-€224.00
Safe to Spend€816.00
Personal finance, considered
Know what your money can do.
See what you can spend, what's already spoken for, and what's coming next.
No bank connection required Add your numbers Stay in control
Every number explained.Deterministic planning from the values you enter.
Everything in one place.
Vellum brings clarity to your money — and your life.
See the full picture
Understand your real available money.
Plan with confidence
Check decisions before you spend.
Prepare for what’s ahead
Plan future expenses with ease.
Track & build
Watch your savings and investments grow.
Understand your plan
Know why your plan recommends what it does.
See what Vellum can do.
Designed for real life.
How it works
Simple steps. Powerful clarity.
Start with your numbers. Vellum turns them into a plan you can understand and use.
Add your numbers
Enter your income, bills, savings and plans.
Vellum does the math
Your plan is calculated from the numbers you enter — using deterministic financial logic.
See your plan
See what you can spend, what's coming next, and how each decision affects the rest of your plan.
Overview
July 2026Your financial plan
Current balance€2,550.00
Bills & essentials€1,120.00
Future expenses€390.00
Planned savings€224.00
Car insuranceSeptember€734.40
Christmas giftsDecember€480.00
For everyday life
One tool for every season of life.
Whether you're planning a trip, managing subscriptions, or building your future — Vellum is with you.
Vellum Together
Share the plan. Keep your finances private.
Your income, personal spending, transactions and budgets stay private. If you choose to split costs based on income, Vellum only shows the calculated ratio after both of you agree.
Shared planning
Keep recurring household expenses and shared goals in one clear plan.
Flexible responsibility
Split equally, choose custom shares, or let one person cover an expense.
Yours, mine & ours
Shared plans stay separate from each person's private financial data.
Shared planHome & everyday
Private by designYouYour shareAAlex's share
Rent50 / 50€700€700
Utilities50 / 50€90€90
CarAlex pays€0€240
GroceriesShared€260€260
Why Vellum
Built around your numbers.
A financial plan should be understandable, predictable and yours to control.
Your numbers
Your plan is built from the information you enter.
Explainable
See where the numbers come from and why money is being set aside.
No bank connection required
Use Vellum without connecting your bank accounts.
You stay in control
Change your numbers, goals and plans whenever life changes.
Pricing
Start free. Choose what fits.
Plan for yourself, or make a shared plan with someone else.
For keeping track of your everyday finances.
- Basic financial tracker
For planning what your money can do.
- Complete personal financial planning
- Safe to Spend
- Can I Afford This?
- True Expenses
- Savings goals
- Investment tracking
- Planning tools
For two people who want one clear shared plan while keeping personal finances private.
- Personal planning for two people
- Shared expenses and recurring plans
- Equal, custom or one-person splits
- Shared savings goals
- Individual responsibility overview
- Two people included in one price
Company
Personal finance, considered.
Vellum is built to make everyday financial planning easier to understand, easier to use, and easier to trust.
Our mission
Make financial planning simple, useful and understandable.
Our values
Clarity
Trust
Simplicity
Privacy
Built for the long run
A product designed to grow with the financial lives of its users.
Vellum
Know what your money can do.
Financial planning that helps you understand the plan, not just follow it.