Your whole net worth automated.
On your device.
Nowhere else.
Track investments, accounts, cash flow and tax in one place. Fully offline, no account, no cloud, no one watching.
One private ledger for your entire financial life.
Net worth, live
Every account, asset and debt rolled into one figure that updates as you go.
Investments tracked
Stocks, ETFs, crypto and real estate with live prices, cost basis and realized P/L.
Cash flow
Log income and expenses, watch your savings rate, spot the leaks.
Goals & history
Set targets, freeze monthly snapshots, and watch the trend build over time.
Retirement outlook
Compounding projections and milestones from now to twenty years out.
Tax, estimated
See your bracket, capital-gains reserve, invoices and what to set aside - before it's due.
You update a little. Valutio does the rest.
Multi-currency, with tax presets built in.
Pick your base currency and a secondary display. Brackets, thresholds, invoices and capital-gains rules come ready for 15 countries - and you can fine-tune everything.
Your money data never leaves your device.
No sign-up, no server, no sync you didn't ask for. Everything lives in your browser and works fully offline. Back up to a file whenever you want - you hold the keys.
Free to track. Pay once to go deep.
No subscription, no account, no server holding your data.
Unlock Pro once and it's yours - offline, forever.
Track your whole net worth, properly. No entry caps.
For investors, freelancers and anyone living across currencies.
Get the app free, then unlock Pro inside it - one payment, yours forever, every future update included. Your data never leaves your device.
Prefer a spreadsheet? Take mine, free.
Valutio grew out of a Google Sheet I built for myself. Want the original? Grab a free copy and start tracking today - no app needed.
Opens in Google Sheets - then choose File ▸ Make a copy to keep your own.
Take it everywhere.
Keep it to yourself.
Valutio is becoming a real app for iPhone and Android. Be among the first to know when it lands.
Free · No account · Works offline
Good to know
Where is my data stored?
Entirely on your device, in your browser. There's no server and no account - nothing is uploaded anywhere. You can export a backup file anytime.
Does it work offline?
Yes. Valutio installs as an app and opens instantly without a connection. Live prices and exchange rates refresh whenever you're back online.
Which currencies and countries are supported?
Track in a single base currency for free. Pro adds a secondary display currency with live FX, plus tax presets for 15 countries - including the US, UK, Australia, Canada, Germany and Japan. Every rule is editable.
How much does it cost?
Valutio is free forever - no account, no subscription. Pro is a single one-time payment that unlocks the power features: live price & FX refresh, the full tax estimator with 15 country presets and capital gains, multi-currency, retirement projections and unlimited history. Pay once and it stays yours - no recurring fees, ever.
Do I have to connect my bank?
No. Valutio never links to your bank or any institution - you enter balances and transactions yourself. That's what keeps it fully private and offline, and it works for any account, anywhere.