Spreadsheet fatigue
Your salary lands once a month, then 30 days of bills, cheques, school fees, and transfers home. Vynlo replaces the spreadsheet with a forward-looking commitment calendar.
Cash-Flow Planning · Early Access
Know what is coming before it arrives.
A cash-flow planning app for the way commitments actually work: post-dated cheques, recurring bills, rent, school fees, and remittances. All in your forward calendar, without spreadsheets.
- Free during early access
- Founding members lock in launch pricing
- Invite within 48 hours of joining
- Multi-currency support
- Bilingual EN / AR
- No bank login needed
- Free during early access
Modern money moves in commitments, not categories. Most apps do not track that.
Apps built around credit cards
Most budgeting apps assume credit cards and open banking. Vynlo works with cash, cheques, and the way money actually moves in most of the world.
No idea what is coming
Rent, school fees, instalments, cheques: they pile up silently. Vynlo maps every upcoming commitment so you always know whether you can afford the next one.
Plan your month before it starts
Schedule rent, school fees, salary remittance, post-dated cheques, and recurring bills into a single forward-looking calendar. See exactly what next month looks like, today.
- Forward-looking cash-flow calendar
- Recurring bills and rent forecasting
- Salary remittance and FX-aware transfers
See every commitment before it costs you
Every upcoming cheque, bill, instalment, and transfer in one timeline. Know your real available cash after every commitment is accounted for.
- Commitment timeline: cheques, AP, loans, bills
- "Can I afford this?" answers
- Forward cash-flow view: 30, 60, 90 days
Common questions
Does Vynlo connect to my bank?
No. Open banking is patchy in most markets outside the US and Western Europe, so Vynlo is built around manual entry, recurring rules, and PDC tracking. You stay in control of your data and never share online-banking credentials.
Which currencies does Vynlo support?
AED, SAR, USD, EUR, INR, PKR, EGP, JOD and more. You pick a home currency and Vynlo converts every account using daily FX rates.
How is it different from YNAB or Wally?
Vynlo is built around commitment forecasting, not expense categorisation. It handles post-dated cheques, multi-currency wallets, bilingual EN/AR, and recurring commitment scheduling. You will not find this combination in apps designed for US or European users.
Is it free?
Vynlo is free during early access. We will offer a free tier and an optional paid tier when we launch publicly. Early-access users get the best long-term pricing.
When do I get access?
We are onboarding early users in waves. Drop your email and we will send your invite as soon as a slot opens, usually within 1-2 weeks.
Get on the list
Know every commitment before it arrives.
Join early access and map your upcoming cheques, bills, and remittances in AED, SAR, USD, or any currency.
No spam. We email you the moment your invite opens.