One account. One deposit amount.
Zero bill stress.

Use a dedicated account for your bills — Varen tells you exactly what that number should be.

Go ahead and get the Starbucks. Your bills are already handled.

Get Early Access →See how it works
Built to replace a 127-sheet Excel workbook with 2,600 rows of daily balance projections — maintained since 2016.

Every bill, every day,
no surprises.

Varen projects your checking account balance forward 365 days — surfacing exactly when annual spikes will push you below the floor before they happen.

Current Balance
$3,822
As of today
Recommended Deposit
$2,140
Every 14 days
Actual Deposit
$1,660
Every 14 days
Per-Check Shortfall
−$480
Worst: $388 on Jul 1
Balance projection · 6 months
1M3M6M12M
FloorApr 14 — below floorMarAprMayJunJulAug
DateEventAmountBalance
Jun 1Deposit+$2,140$3,822
Jun 1Car Insurance−$130$3,692
Jun 6Mortgage−$1,856$1,836
Jun 9HELOC−$175$1,661 watch
Jun 15HOA (Quarterly)−$287$1,374
Jun 15Deposit+$2,140$3,514 safe
Jul 1Car Registration (Annual)−$120$388 below floor
365
Days projected forward
10
Years of real data
1
Amount to deposit each paycheck
0
Sleepless nights
All modules

One app, every layer
of family finance.

From daily cash to retirement. Each Varen module builds on the same data foundation.

01
Solvency Engine
Day-by-day balance projection with bill spike detection.
Live
02
Income Engine
Salary, 401k, HSA, and 529 deduction modeling.
Coming soon
03
Expense Engine
Envelope budgeting and recurring bill management in one place.
Coming soon
The Varen philosophy

Built different.
On purpose.

Most budgeting apps track what happened. Varen tells you what's coming — with enough lead time to do something about it. The approach draws from multiple money management principles: allocate at a high level, project forward with precision, and let a separate tool handle transaction detail.

Project, don't track
Transactions are handled elsewhere. Varen focuses on where money is going — before it moves.
Worst-case months win
The recommended deposit survives every annual and quarterly spike across a full year.
Bills hit on their real dates
No averaging, no smoothing. The 6th is the 6th. The model is only useful if it's honest.
Varen · Family Finance

Stop wondering.
Start knowing.

Your checking account balance eight weeks from now — including the HOA, the annual insurance spike, and that car registration you forgot about. It's all already in there.

Get Early Access →

Varen is a cash flow forecasting tool that projects your checking account balance forward 365 days to help you avoid overdrafts and plan for large upcoming expenses.