Valnivo

Valnivo Labs

About this app

Your financial horizon, made visible.

Valnivo is a personal financial planning tool. It turns what you earn and spend into a picture of your finances in 10, 20 and 30 years, with best and worst cases, and then answers the question that actually matters: what changes if you save a little more, stop earlier, or prices rise faster?

Budgets, entries and regular payments are the inputs. The point is what they add up to. Valnivo also handles money held across several countries and currencies, which is where most planning tools give up.

WHAT YOU GET

• Overview: one sentence and one chart. Where this month stands, and where it takes you if nothing changes. One tap shows what happens if you save more, spend more, or stop saving early.
• Future: try a plan and watch what it does to the years ahead. Every plan is tested against many possible futures, so you see a range, not a single promise.
• Savings & investments: bank accounts, funds and cash in several countries and currencies. Crypto held by quantity.
• Countries & rates: inflation per country, exchange rates and coin prices. Use the bundled reference figures, fetch live ones, or type your own.
• Money in & out: every entry grouped by day. Filter by month, category, direction or free text. Export whatever is on screen as CSV.
• Budgets: a monthly plan per category. When you overspend, the bar sticks out past the line so you notice.
• Regular payments: pay, rent, subscriptions. The app reminds you when they are due and nothing is written until you confirm.
• Goals: something you are saving for, by when, and what that takes each month.
• Joint spaces: share money with a partner or family, with your own savings kept separate.

YOUR DATA STAYS YOURS

• Everything lives on your device by default. No account is needed: tap "Use it on this device only" on the first screen.
• Sign in with Google to keep an encrypted copy in the cloud and use Valnivo on more than one device.
• The cloud copy is end-to-end encrypted. Unlock it with your fingerprint or face, or with a recovery code that only you hold.
• Nothing is fetched until you press a button, and only a country code or a list of currency codes ever leaves the device.
• Delete your account and all its data at any time from Settings.

HONEST ABOUT THE FUTURE

The projection is a model, not a promise. It shows the most likely path and the range where eight out of ten possible futures land, with the assumptions you can see and change. There is no tax modelling and no financial advice, and Valnivo never handles your money.

Valnivo Plus is open to everyone during the beta at no cost.