ValamHow Valam works
Set up in minutes, then watch a short tour of the app in action.
- 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.
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.
Each step in more detail
1. Install and secure your vault
On first launch Valam creates a random key and seals it in your phone's secure hardware. You unlock with Face ID, fingerprint or your phone PIN.
- Write down the recovery key shown once and keep it somewhere safe.
- Add an optional extra passphrase for more protection.
- You do not need an account to start.
2. Add your accounts
Start with the accounts you use most. Add a bank account with its balance, then your credit cards and loans.
- Enter balances as of today.
- For a loan, add the EMI, rate and next due date.
- You can add more any time.
3. Track or import
Log new spending in a few taps, or import history from a file or SMS. Valam sorts transactions into categories and asks only when unsure.
- Fix a category once and Valam remembers it.
- Check the import preview before you confirm.
- Duplicates are flagged for you.
4. Get guided
Open Home to see net worth and safe to spend. Ask Mathi when you are unsure, and follow the nudges Valam shows you.
- Set one goal to start.
- Turn on reminders for bills and cards.
- Try the Can I afford it check before a big purchase.
Three ways to bring in your history
Bank files
Download a CSV, OFX or QFX statement from your bank and open it in Valam. Presets for ten banks map the columns for you.
Bank SMS
On Android, Valam can read bank messages from your inbox when you unlock. On iPhone, a Shortcuts link passes messages in. Nothing is uploaded.
Type as you go
Quick add takes a few taps. Many people start here and add history later.
A two minute routine that works
Daily glance
Open Home and read your safe to spend. It takes ten seconds.
Log as you go
Add purchases when you make them, or import weekly.
Weekly review
Check the calendar for the week ahead and ask Mathi what needs attention.
Switching phones
Export an encrypted backup from Settings, move the file to your new phone and restore it with your passphrase. If you use Valam Plus, you can also sync with your recovery key. Keep your recovery key safe, because it is the only other way in.
Ready to try Valam?
Join the launch list and we will email you once, the day it is available.