All of it, in one place.
What your bank shows is part of it. A home, a pension, a car, a loan to a friend, a stake in a business are the rest. You enter each one and keep its value current from one screen; Valunto adds it up, sets the month against your plan and keeps your goals on pace.
No bank logins · Private by design · Start from your spreadsheet
What do I own and owe, all of it, in one place?
Net worth lists anything you can put a value on, assets and debts, with a history of dated values for each. One screen updates every value at once. Each holding has its own page: its value over time, the change over the last year, its share of the total.
Can I afford this month?
Budget shows what is left to spend: what you planned, minus what you have spent, minus the bills still set aside. On your phone, Pulse opens on that figure.
Am I on track for what I'm saving for?
A goal has a target and, if you want one, a date. It is held to a steady pace and shows as on track, behind or achieved, with what is still needed each month. Amounts you add, transactions you count toward it and holdings you count at their value all move it.
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