Goal envelopes
Split savings into named envelopes and watch them fill up.
net worth tracker
See what you own. Understand what you owe.
Valutrize brings assets, debts and recurring commitments into one measured view, so you can track net worth without confusing a good month with long-term progress.
Free during early access. No card required.
76,000+ people learning with ValutrizeNo card required · Read-only insights · Cancel anytime
net worth tracker
Net worth without the spreadsheet
List cash, property estimates and liabilities in one place, then review the trend rather than chasing daily balance changes. Valutrize helps you keep the assumptions behind each number visible.
Clarity first
Your money in plain language — no jargon, no shame, no noise.
Read-only by design
Valutrize sees patterns, never moves money. You stay in control.
Habits that stick
Small weekly goals, gentle nudges, visible progress.
Valutrize
Everything works together
Valutrize brings assets, debts and recurring commitments into one measured view, so you can track net worth without confusing a good month with long-term progress.
Money lessons
Five-minute lessons that make statements and fees finally make sense.
Private by default
Bank-grade encryption. Your data is never sold. Ever.
Smart overview
Accounts, subscriptions and recurring costs in one calm dashboard.
Gentle alerts
A quiet heads-up before a bill hits — not another noisy feed.
Weekly digest
One short read. What changed, what to watch, what went well.
Products
One companion, four superpowers
Every Valutrize plan includes the full family — pick what you need today, explore the rest tomorrow.
Valutrize Flex
Flexible goal envelopes that bend when life happens — move money between goals without breaking the plan.
Explore feature: Valutrize Flex →Valutrize Edge
Your weekly insight loop: one short digest that shows what changed, what to watch and what went well.
Explore feature: Valutrize Edge →Valutrize Solutions
Ready-made playbooks for real life: first emergency fund, bill spikes, debt payoff order, subscription cleanup.
Explore feature: Valutrize Solutions →Valutrize Finance
The full picture: accounts, subscriptions and net worth in one calm, read-only dashboard.
Explore feature: Valutrize Finance →How it works
Calm money in three steps
List cash, property estimates and liabilities in one place, then review the trend rather than chasing daily balance changes. Valutrize helps you keep the assumptions behind each number visible.
Connect read-only
Link your accounts with read-only access. Valutrize can look, never touch.
Get your picture
In minutes you see spending patterns, silent subscriptions and safe-to-spend.
Grow weekly
Set one small goal. Valutrize coaches you gently until it sticks.
Reviews
What members say
Real stories from the Valutrize community.
76,000+people learning with Valutrize
160,000budgets coached
4.6/5average rating
26countries
★★★★★
“One calm page for assets and debts gave me a much more honest picture.”
★★★★★
“I like that estimates stay labelled as estimates instead of pretending to be precise.”
★★★★★
“The long-term trend is more useful to me than watching balances every day.”
FAQ
Questions, answered honestly
Valutrize brings assets, debts and recurring commitments into one measured view, so you can track net worth without confusing a good month with long-term progress.
What makes Valutrize different?
Valutrize brings assets, debts and recurring commitments into one measured view, so you can track net worth without confusing a good month with long-term progress.
How does Valutrize help with everyday money?
List cash, property estimates and liabilities in one place, then review the trend rather than chasing daily balance changes. Valutrize helps you keep the assumptions behind each number visible.
Do I need experience with budgets?
No. Most members start with zero spreadsheets experience. Valutrize builds the picture for you and explains everything in plain language.
Which countries does Valutrize support?
Valutrize works in 26 countries across Europe and beyond, with more banks added every month.
Can I cancel?
Anytime, in two taps, from your profile. Your data can be exported or fully deleted on request.
What exactly is Valutrize?
Valutrize is a financial-literacy app. AI agents connect to your accounts read-only, explain your spending in plain language and coach small weekly goals. It never moves money.
Ready for calmer money?
Join 76,000+ people who let Valutrize do the heavy lifting.
Start freeFree during early access. No card required.