Valam

Meet Mathi, your money coach

Plain answers to real money questions, using your own numbers, without your data leaving your phone.

Mathi makes it easy

Skip the spreadsheets. Just ask Mathi.

Real questions, answered with your own numbers. Here is what Mathi takes off your plate.

Mathi telling the user how much is safe to spend today
Ask

Things people ask Mathi

Everyday

  • How much can I safely spend today?
  • Which bills are due this week?
  • Where did my money go this month?

Decisions

  • Can I afford a 45,000 rupee laptop?
  • Should I prepay my loan or save?
  • What if I lose my income for two months?

Debt and goals

  • How can I pay off my loans faster?
  • Am I on track for my emergency fund?
  • Avalanche or snowball?

Learn

  • How does credit card interest work?
  • What is an emergency fund?
  • Explain my health score
Trust

How Mathi keeps answers honest

Topic guard

Every message is checked first. Only money questions go forward, anything else is politely declined.

Your real numbers

Mathi reads figures from Valam's finance engine, not from guesses.

Written in plain words

The answer is written by the built in coach or by an on-device model.

Numbers checked

Figures in the reply are checked against your ledger before you see it, and a policy filter removes unsafe advice.

Chat with Mathi, the Valam AI money coach
YouCan I afford a 45,000 rupee laptop this month?
MathiA laptop for ₹45,000 is tight. It is more than your remaining spending room of ₹4,946, so it would come out of savings. Waiting a month, or saving towards it, keeps your plan intact.

Runs on your device

The on-device model answers without sending your questions to a server.

Numbers checked

Figures in a reply are checked against your ledger before you see them.

Only money topics

Anything unrelated to money is declined before it reaches the model.

Drafts, never decisions

Mathi can prepare an expense or payment for you, and nothing is saved until you confirm.

Modes

Three ways Mathi can think

Built-in coach

Fast, works offline and needs no download. It covers a wide range of money questions with templates and 187 guides.

On-device model

Optionally download a small language model that runs entirely on your phone. Checked against a published hash before use.

Think harder (Plus)

For tough questions you can opt in to a cloud model. A sanitised question is sent, with transaction text and your own merchant and people names removed first.

Limits

What Mathi will not do

  • Move or send money, or pay a bill for you
  • Pick specific investment products or promise returns
  • Chat about topics unrelated to money
  • Save anything without your confirmation
  • Ask for passwords, PINs or your recovery key

If a message suggests you are in distress, Mathi shares helpline information such as Tele-MANAS 14416 and the emergency number 112 before anything else.

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