Most budgeting apps start by asking for your bank login. Volora starts without an account at all, and your numbers stay on your phone.
In short: Volora is a budgeting app that keeps two things apart: where your money is (wallets) and what you plan to spend (budgets inside a project). You enter or import transactions yourself, budgets restart each month and warn you before you hit the limit, and a low-balance alert watches the accounts that matter. There's no bank connection, and Volora never moves money.
- Wallets for each account
- A project with category budgets
- Record or import transactions
- Alerts before limits
- Insights at month-end
A worked setup
Made-up but realistic: the household from the monthly budget, €2,400 a month, €1,450 of essentials, €480 saved.
| In Volora | Answers |
|---|---|
| Current account wallet, low-balance alert at €200 | how much is really there, and is it getting low |
| Savings wallet | how much is set aside |
| Monthly plan project, built from a template | what this month is for |
| Category budgets, e.g. groceries €400 | how much is left of the plan, and are we close to the limit |
| Insights | where the month went, compared with earlier months |
The point of the split: on the 25th, the grocery budget can say €150 left while the current account says €90. Both are true, and seeing both is what stops the overdraft (why the two numbers differ).
What it does
- Budgets that restart. Monthly, weekly, yearly or a one-off date range. Unspent money can roll over and overspending can come out of the next cycle, both optional. You see what's left until the cycle ends, and can switch to a day-by-day amount.
- Three levels. Project, category and subcategory budgets, so "Food" can be fine while "Eating out" is drifting.
- 13 built-in project templates, plus a custom one.
- Alerts. A budget alert when you get close to the limit, and a low-balance alert on any wallet.
- Any currency. Wallets in different currencies, including crypto, with totals in your main currency.
- CSV import from your bank's statement export, with duplicate detection.
- Insights: spending breakdowns, trends and a financial health score.
- Shared spaces for couples and families. One person with Premium and a Google Drive account creates the space, and the others join with a role from viewer to admin (budgeting as a couple).
What it deliberately doesn't do
- No bank connection. You enter transactions or import a CSV. It takes a little more effort and gives no one access to your bank.
- It doesn't move money. Volora mirrors your accounts. Savings transfers happen in your bank, and recurring transfers in Volora wait for you to confirm them.
- It isn't a tax or accounting tool.
Where your data lives
On your device. Personal spaces stay local, backups are encrypted and go to your own Google Drive if you turn them on, and shared spaces sync through the owner's Drive, not Volora's servers. Volora has no access to your financial records. The whole app works offline and before you create an account.
FAQ
Is Volora a bank? No. It's a budgeting tool for tracking and organizing money and it doesn't hold funds.
Can I import my transaction history? Yes. Export a CSV from your bank, map the columns once, and Volora flags duplicates.
Does Volora connect to my bank? No. That's deliberate: no bank credentials are ever shared.
Can I share budgets with my partner or family? Yes, in a shared space. The person who creates it needs Premium and a Google Drive account. Invitees join with a role.
Is my financial data safe? Your data stays on your device. Backups and shared spaces live in your own Google Drive, and Volora has no access to them.
What's free? Budgets, wallets, transactions, categories, CSV import, Insights and Drive backup. Premium adds owning shared spaces and extra dashboard views.
One thing to do today
Before any app: write down your monthly essentials number. It's the first thing every budget needs (how to make a monthly budget).