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
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.