See where your money could take you

Valnivo is still in testing and is not yet intended for public use.

Valnivo — your financial horizon, made visible.

Valnivo turns what you earn and spend into a picture of your finances in 10, 20 and 30 years, with best and worst cases. Then it answers the question that actually matters: what changes if you save a little more, stop earlier, or prices rise faster. It handles money held in several countries and currencies, which is where most planning tools give up. Budgets and entries are inputs to that picture, not the point of it.

Free, and private by default: your figures stay on your device unless you choose to sign in, and the online copy is encrypted before it leaves.

Guides

Paid in one country, living in another — What two inflation rates do to a cross-border salary.
A pension in another currency — What it is worth in ten, twenty and thirty years.
Savings across countries — Adding up money held in several currencies.
How the projection works — What the model does, and what it leaves out.

Android, in a closed beta: become a tester, then install from Google Play. · iPhone app in progress; add this page to your Home Screen in the meantime.