ValamMoney should feel calm, and stay yours
Valam is a personal finance app built around one idea: you should understand your money without handing it to anyone.
Why we built Valam
Most money apps work by copying your financial life to their servers. That is how they show you charts, and also how they sell you things. We wanted the charts and the help without the copy.
So Valam keeps your ledger in an encrypted vault on your phone, and runs its intelligence there too. It tracks accounts, cards, loans, goals and money with friends and family, and then tells you in plain words what needs your attention.
It is built with Indian households in mind: rupees, EMIs, chit funds, UPI, bank SMS and the habit of lending to family. It also handles other currencies and the US card interest method.
What the names mean
Valam (வளம்)
A Tamil word for prosperity. It is the whole picture of your money, growing steadily.
Mathi (மதி)
Means good sense, and also the moon. It is the calm voice in the app that helps you decide.
Our principles
Private by default
Your data stays on your phone. Anything that leaves is optional, encrypted and explained.
Plain language
No jargon. Every number comes with a reason, and Mathi explains what it checked.
No ads, no selling
We do not show ads, track you or sell data. The business is the optional Plus plan.
Calm, not noisy
We show what matters now, such as a due date or a risk, instead of a wall of charts.
What is next
- Launch on the App Store and Google Play
- Valam Plus with unlimited Mathi, sync and shared groups
- Keep improving the coach, import and plans based on your feedback
Plans can change. Join the launch list on the home page to hear first.
Ready to try Valam?
Join the launch list and we will email you once, the day it is available.