Valsiva: Spending & Net Worth

Valsiva watches every account you have and tells you the truth about them. Connect your banks, credit cards, loans and investments once. Valsiva pulls two years of history on the first sync, categorises it, and keeps itself up to date every day. No spreadsheets, no receipts to photograph, no monthly ritual. SPENDING THAT ADDS UP Every transaction is categorised automatically, with the rules under your control. Transfers between your own accounts are not spending, and Valsiva knows it, so your budget is not inflated by moving your own money around. Correct a merchant once and every future charge from them follows. MONEY YOU HAVE NOT SPENT YET Valsiva forecasts the next 30 days for the account your bills land in and shows the LOWEST point it reaches, not where the month ends. Rent clearing on the 1st against a paycheck on the 4th is a month that finishes comfortably and goes short in the middle. An end-of-month figure hides that. This one does not. A WARNING BEFORE YOU ARE CHARGED Valsiva finds your subscriptions and recurring bills and tells you two days before one renews, while there is still time to cancel. Not a receipt afterwards. EXPENSE REPORTS THAT FILL THEMSELVES IN Pick the dates of a work trip and Valsiva builds the report from the charges already in your account, on your employer's own form. It dates each expense when you spent the money rather than when it posted, leaves your rent and subscriptions out of it, and tells you what it left out and why, so nothing goes missing from a claim. Attach receipts from your phone. When the money comes back inside a paycheck, split that deposit so the repayment is not counted as earnings. NET WORTH THAT COUNTS WHAT YOU OWE Most apps add up what you have. Valsiva subtracts what you owe, including loans your bank does not report, which you can enter by hand. And when you connect a new account, it does not pretend that is growth. INVESTMENTS, HONESTLY See how a balance moved, and with Valsiva Pro, how much of that was the market rather than money you added. SHARED, IF YOU WANT Give a partner access to the same picture, or keep it entirely to yourself. One subscription covers your household, not one each. FREE AND PAID Entering accounts and balances by hand is free, forever. Connecting a bank carries a monthly cost to us, so it is part of the subscription. Nothing you type ever expires behind a paywall. PRIVACY Valsiva reads. It cannot move your money, and it never asks for the ability. There are no payments, no transfers and no card controls in this app, because there is no mechanism for them. Bank credentials are entered on your bank's own screen through Plaid and are never seen by us. Your data is not sold, and it is not used to advertise to you. There are no ads. You can delete your account and everything in it from Settings at any time. Valsiva is a reporting tool, not financial advice, and it is not a bank. Your institution remains the authority on your balances.