ValamYour money, understood. Your data, yours alone.
Valam brings your accounts, cards, loans, goals and shared expenses into one calm place. Mathi, your AI coach, answers on your phone, so your finances never have to leave it.
- No ads
- No data selling
- Works offline
- Free to start
Money apps ask for everything. Valam asks for nothing.
Most finance apps upload your bank messages and spending to someone else's server. Valam does the opposite. It keeps your ledger in an encrypted vault on your phone and runs its intelligence there too.
Others
- Upload your transactions
- Show ads based on your spending
- Stop working without internet
- Lock insights behind accounts
Valam
- Keeps your ledger on your phone
- Has no ads and no trackers
- Works fully offline
- Needs no sign up to start
Everything about your money, in one place
From a quick coffee to a home loan, Valam keeps the whole picture clear and tells you what needs attention.
Accounts and spending
Add every account, log expenses in seconds and let Valam sort them into categories. It learns from your corrections.
Credit cards
Track limits, statement dates and interest with reminders before every due date, so you never pay a late fee.
Loans and EMIs
See what you owe, how much interest you will pay and how fast you could be free with a payoff plan.
Friends and family
Keep a clear record of who owes whom. Split bills in groups and settle up with confirmed payments.
Skip the spreadsheets. Just ask Mathi.
Real questions, answered with your own numbers. Here is what Mathi takes off your plate.
Watch Valam in about a minute
A quick tour of net worth, the activity calendar, Mathi, planning and your wealth.
What you will see
Screen recording of the Valam app. It shows the home screen, the activity list, a chat with Mathi, the plan screen and the wealth screen.
Up and running in four steps
- 1
Install and secure
Open Valam and set up your vault. It is protected by Face ID, fingerprint or your phone PIN, plus a recovery key shown once.
- 2
Add your accounts
Add accounts, cards and loans, or import a statement file. Nothing is uploaded.
- 3
Track or import
Log spending in seconds or let Valam read your import. Categories sort themselves and improve as you correct them.
- 4
Get guided
See your safe to spend figure, spot problems early and ask Mathi what to do next.
Built so we could not read your data even if we wanted to
Security is not a feature we added. It is how Valam is built.
Hardware protected vault
Your master key is sealed by the Secure Enclave on iPhone or the Keystore on Android and released only after Face ID, fingerprint or PIN.
Encrypted database
Your ledger, attachments and chat history are encrypted on the device. The vault closes and keys are wiped whenever the app locks.
Recovery key
A recovery key shown once at setup is the only other way in. Lose both and nobody, including us, can open your data.
Made for everyday money
First salary
Learn budgeting without handing your data to anyone.
Households
Track shared costs, chit funds and loans between family.
Irregular income
See safe to spend even when income arrives unevenly.
Paying off debt
Compare payoff plans and see your debt free date.
Start free. Add Plus when you want more.
The core app is free and fully private. Plus is optional and coming soon.
Free
AlwaysEverything you need to track and understand your money, with no sign up.
- Accounts, cards, loans and goals
- Smart categories and import
- Reminders and calendar
- Built in coach with one free Mathi question
- Local, encrypted data
Plus
Coming soonFor people who want to go further with Mathi, sync and shared groups.
- Unlimited Mathi conversations
- Optional extra reasoning with daily credits
- Sync across your devices, end to end encrypted
- Shared groups and splits with friends
- SMS and bank email sync
Plus features and pricing are subject to change before launch.
Questions, answered
Cannot find what you need? Write to us and we will reply.
Valam is a personal finance app for Android and iPhone. It tracks your accounts, spending, credit cards, loans, goals and money with friends, and includes an AI coach named Mathi. The name comes from the Tamil word வளம், which means prosperity.
Money guides in plain language
Short, practical articles on budgeting, loans, cards and privacy.
Take control of your money, privately
Valam is on its way to the App Store and Google Play. Leave your email and we will tell you the day it lands.
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