App information
Orvessa Finance
Orvessa Finance is a personal debt payoff planner for tracking money obligations and building a repayment plan from the data you enter manually.
Create a portfolio of obligations with a name, type, balance, date, rate, payment, term, and notes. Each obligation has its own record with a schedule, actual payments, and progress. You can edit, close, and archive entries.
Set a monthly payoff budget and get a plan that shows where each payment should go, which payments are due, when obligations may be paid off, and how much interest is expected under the chosen conditions. The app also highlights cases where the budget is not enough or where a debt does not decrease.
Compare repayment methods on the same starting data, including highest rate, smallest balance, or a manual order. For each option, Orvessa Finance shows the term, expected interest, and how the money is distributed.
Create scenarios for a one-time extra payment, a changed monthly budget, a skipped payment, or a rate change. Each scenario is saved separately and compared with the original plan. Changes are applied only after review, and a scenario calculation does not create an actual payment.
View upcoming, paid, and overdue events in a calendar. Open an obligation from an event and record a full or partial payment. Local reminders are enabled by the user with system permission.
Log actual transactions separately from the plan. Enter full or partial amounts, adjust balance and interest details, correct or cancel an incorrect entry, and protect against duplicate operations. Updates recalculate the balance, progress, and future plan.
Track overall balance, repaid amount, next payments, and portfolio progress. In each obligation record, review the entries used to build the figures. Actual history is kept separate from forecasts, and calculations show the input data and assumptions.
Export plans, comparisons, and history to PDF and CSV for saving or sharing through the system menu.
Back up data to a file and restore from a backup. Before restoring, the app checks the file and shows its contents for confirmation. If an import fails, existing data is preserved.
On first launch, Orvessa Finance introduces the main features, helps create the first obligation and plan, and keeps a demo portfolio separate from personal data. You can also set the workspace currency, appearance, language, reminders, data management options, and view the About section.
Orvessa Finance works as a standalone calculator and tracker based on your entered data. No bank account connection or registration is required, and money transfers are made outside the app. Forecasts depend on the conditions you enter and the supported interest model, and they do not guarantee a financial result.