ValamEverything 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 bank account, wallet and cash pot. Log a purchase in seconds, and Valam sorts it into a category from a dictionary of about 7,000 merchants. When you correct one, it remembers.
- Quick add in a few taps
- Search and filter by category, account or date
- A calendar view of spending by day
- Categories that learn from your corrections
Credit cards
Track limits, statement dates and due dates for every card. Valam knows how card interest works, including the Indian and US methods, so you can see what carrying a balance really costs.
- Reminders before each due date
- Limit used and how much is left
- Interest estimate on an unpaid balance
- Payment history per card
Loans and EMIs
See every loan in one place: what you owe, your EMI, the rate and the date you will be free. Compare payoff plans and see what an extra payment saves.
- Avalanche and snowball payoff plans
- Debt free date, with and without extra payments
- Missed and overdue payments flagged
- Prepayment what-if
Friends and family
Keep a clear record of who owes whom, from a lunch to a loan. On Plus, create shared groups to split bills, with every settlement confirmed by the person receiving it.
- IOUs with partial repayments
- Group expenses and simplified debts
- Settlements count only when confirmed
- Money held for others kept out of your net worth
Goals and savings
Set a goal, link a savings pot and add money as you go. Valam projects whether you are on track and what changes would help.
- Emergency fund, home, travel or retirement goals
- On track check using realistic projections
- Savings pots linked to goals
- Streaks, rules and challenges that build habits
Wealth and funds
See assets, debts and funds together, with your net worth over time. Chit funds, deposits, reimbursements and investments sit next to your everyday money.
- Net worth with history
- Chit funds with commission handled
- Deposits and other funds
- Assets and liabilities at a glance
One calendar and smart alerts
Every bill, EMI, card due date and subscription renewal in a single calendar. Valam also watches for problems with 31 detectors, such as a missed payment, falling runway or a subscription you forgot.
- Due dates and reminders in one view
- Low runway and overdue warnings
- Subscription tracking
- Health and discipline scores
Easy import
Bring in history instead of typing it. Valam reads bank files on your phone, flags duplicates and warns you about rows that would move your balance.
- CSV presets for ten banks, plus OFX and QFX
- Bank SMS on Android, read from your inbox
- iOS Shortcuts link for bank messages
- Duplicate detection before you commit
And a lot more in the details
Privacy mode
Hide every amount with one tap when someone is nearby.
Tax view
Enter your tax details and let Mathi answer with your figures.
Can I afford it
Test a purchase against your safe to spend before you buy.
Encrypted backups
Export and restore your whole vault with a passphrase.
Impact reports
See what a new loan or a windfall does to your plan.
Dark mode and large text
Strong contrast, text scaling up to 200 percent and reduced motion support.
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.
Ready to try Valam?
Join the launch list and we will email you once, the day it is available.