One household, everyone's own view.
A home, two incomes, the savings you keep together and the ones you keep apart. Valunto counts what is shared once for the household and by share for each of you, keeps a plan for the house and one for each member, and gives a parent or an adviser a seat that sees but changes nothing.
No bank logins · Private by design · Start from your spreadsheet
What do we own and owe together, and each of us?
Net worth lists every holding, a home, a car, a pension, a loan, each split between the people who own it, by percentage or by amount. The household total counts a shared holding once; each member sees their share on the Overview.
Can we have one plan for the house and one each?
A household budget for what is shared, and a personal one for each member. Bills split between members. Goals for the whole household or for one of you.
Who sees what, and who can change it?
Three roles: an owner manages the household, a member adds and changes their own entries, a viewer sees what is shared and changes nothing. An entry marked Only me is seen only by the person who made it. Notifications say when someone adds or changes a transaction.
Whatever your situation, anything you can put a value on counts: a flat, a pension, crypto in a wallet, a car, money a friend owes you. And it works the same for one person or a whole household, each member in their own currency, with a role you choose.
Four things this app doesn't take for granted
Most finance apps are built for one country, one currency, a bank feed and a couple with a joint account. This one is built for your life.
True multi-currency
Salary in dollars, rent in euros, savings in pounds. Every amount keeps its own currency, and every total is shown in yours — at today's rate, switchable any time.
Manual, on purpose
You enter the numbers, on the web or in two taps on your phone, so they're right in any country and for anything you can put a value on — a flat, a pension, a wallet, a loan to a friend. No sync to break, nothing to reconnect. Already keep it all in a spreadsheet? Bring the file and start from there.
Private by design
No bank logins, no account scraping, no third party reading your transactions. What you enter stays between you and the people you invite.
Built for real households
Each member has their own main currency, their own view and a role you choose. Shared assets carry each person's share, and it all rolls up into one household total — no joint account required.
Your spreadsheet becomes your net worth.
Upload the file you keep your numbers in and see your total in one currency, with nothing typed twice. The file is read once, nothing stays connected, and you check every line before it's saved. Prefer to look around first? Start with a fictional household and erase it in one click.
Create your account
An email and a password. No bank login, nothing to connect.
Pick your currencies
The ones you earn, spend and save in. One becomes your main currency, and every total is shown in it.
Choose how to start
Bring your spreadsheet, explore with sample data, or start empty and follow a short checklist on your overview.
Bring it all into one place.
Every currency, everyone in your household, nothing connected to a bank. Bring your spreadsheet, or start with sample data and make it yours when you're ready.
No bank logins · Sample data you can erase in one click