45+ features to transform your finances
Track 250+ stocks, 150+ cryptocurrencies, and 160+ currencies. Let AI scan your bills, detect 100+ subscription services automatically, and get personalised guidance from Valerie, your AI financial assistant.
Core features included free
Start with our free Standard plan and get access to powerful tools that most apps charge for. Track up to 5 bills, 5 assets, and store 10 documents completely free. Upgrade to Premium at £9.99/month when you're ready for unlimited access.
Unlimited bank accounts
Add every account you have across any bank or financial institution. See your total liquid balance across all accounts in 160+ currencies with live exchange rates.
- Current accounts, savings, and joint accounts
- Credit cards with limit and balance tracking
- E-wallets: PayPal, Revolut, Wise, Monzo, and more
- Cash accounts for physical money tracking
- Custom account colours and icons for organisation
Bills & 100+ subscription services
Never miss a payment again. VALNYX automatically recognises 100+ popular subscription services like Netflix, Spotify, Amazon Prime, and more. Just type the name and we fill in the details.
- Auto-detection of Netflix, Spotify, Disney+, HBO, Apple services
- Rent, mortgage, council tax, and utility tracking
- Smart due date reminders before each payment
- Total monthly subscription cost calculator
- Free: 5 bills | Premium: Unlimited
Smart budget management
Create budgets that adapt to your lifestyle. Set spending limits by category, track progress in real-time, and get alerts before you overspend.
- Pre-built categories: Food, Transport, Entertainment, Shopping
- Custom categories for your unique spending habits
- Weekly, fortnightly, monthly, or custom periods
- Visual progress bars and percentage tracking
- Smart alerts when approaching 80% and 100%
Visual savings goals
Turn dreams into achievable targets. Create visual savings goals with custom images, track every contribution, and celebrate milestones along the way.
- Custom goal images to visualise your target
- Track emergency funds, holidays, car deposits
- Automatic progress calculation
- Milestone celebrations at 25%, 50%, 75%
- Target date estimates based on contribution rate
Debt & liability tracking
Take control of what you owe. Track all your debts in one place with interest rates, minimum payments, and see exactly when you'll be debt-free.
- Personal loans, car finance, and mortgages
- Credit card balances with interest calculation
- Student loans and Buy Now Pay Later
- Money owed to friends and family
- Payoff date projection and debt-free countdown
Financial calendar
See your entire financial month at a glance. Know exactly when bills are due, when you get paid, and when subscriptions renew. Never be caught off guard again.
- All bill due dates highlighted
- Salary and income dates marked
- Subscription renewal alerts
- Month-ahead cash flow preview
- Custom reminder notifications
Truly Global
Built for people who live and work internationally
Whether you're managing money in London, earning in dollars, spending on holiday in Spain, or supporting family abroad, VALNYX handles every currency and language you need.
- 160+ currencies with live exchange rates updated throughout the day
- 6 languages: English, Spanish, French, German, Italian, and Portuguese
- Works offline: Check your finances even without internet connection
- Cross-platform sync: iOS, Android with secure cloud backup
- Multi-currency net worth: See your true wealth in your home currency
Your personal finance assistant
Meet Valerie: Always here to help
Valerie understands your finances completely and gives you instant, personalised answers in plain language. No financial jargon, just helpful guidance whenever you need it.
- "Can I afford to eat out this weekend based on my budget?"
- "How much did I spend on coffee and takeaway last month?"
- "Am I on track to hit my holiday savings goal by June?"
- "What bills do I have coming up in the next 7 days?"
- "Where is most of my money going each month?"
- "How much is my net worth compared to 3 months ago?"
Premium Valerie is available exclusively for Premium members.
Unlock everything with Premium
Get unlimited access to all VALNYX features. Track unlimited assets including 250+ stocks and 150+ cryptocurrencies, use AI bill scanning, generate professional PDF reports, and store unlimited documents. Perfect for anyone serious about building wealth.
250+ stocks & 150+ crypto
Track your entire investment portfolio with real-time prices. Monitor 250+ popular stocks including Apple, Tesla, Microsoft, and Google. Track 150+ cryptocurrencies including Bitcoin, Ethereum, Solana, and more.
Plus property, vehicles, gold, art, and any valuable items
Unlimited bills + AI scanning
Track every subscription and recurring payment without limits. Use AI bill scanning to photograph any bill or invoice and have it automatically extracted and added to your records.
AI extracts amount, date, merchant, and category automatically
Unlimited Valerie conversations
Chat with Valerie as much as you need. Ask questions about your spending, get budgeting advice, and receive personalised financial insights anytime.
Your personal finance assistant, available 24/7
Net worth tracking & analytics
See your complete financial picture with comprehensive net worth tracking. View assets minus liabilities over time with detailed charts and historical trends.
Track wealth growth week by week, month by month
PDF & Excel reports
Generate professional PDF net worth reports and Excel exports for your accountant, mortgage applications, visa applications, or personal records. Beautiful, comprehensive, and ready to share.
Perfect for loan applications and financial planning
Secure document storage
Store receipts, contracts, bank statements, tax documents, and important financial paperwork securely in the cloud. Free users get 10 documents; Premium gets unlimited storage.
End-to-end encrypted with AES-256
Security, convenience, and peace of mind
Every detail has been considered to make managing your money simple, secure, and accessible anywhere in the world.
Bank-grade security
AES-256 encryption
Cloud sync
Access anywhere
Biometric login
Face ID & fingerprint
160+ currencies
Live exchange rates
Data export
CSV, PDF, Excel
Smart alerts
Customisable notifications
iOS & Android
Native mobile apps
6 languages
EN, ES, FR, DE, IT, PT
Start your financial transformation today
Join the growing community of people taking control of their financial future with VALNYX. Start free with 5 bills, 5 assets, and 10 documents. Upgrade to Premium for unlimited everything at just £9.99/month.
Ready to take control of your finances?
Download VALNYX now on Android. Track your net worth, manage bills, and get AI-powered insights—all in one app.
