What if you changed one thing?

Valnivo — your financial horizon, made visible.

Valnivo holds what you earn, spend and put aside, and answers what moving any of it does to your finances in 10, 20 and 30 years. A projection you can argue with, rather than one you read.

• What if I put aside €200 more each month?
• What if I stop putting money aside in five years?
• What if prices rise faster than anyone expects?
• What if my salary, my savings and my pension are in three different countries?

Money across borders is the part most planning tools give up on. A salary in Luxembourg, savings in Germany, a pension in France, investments in dollars: Valnivo holds them as one financial future, with each country's own inflation and each currency's own path, rather than one number that quietly assumes you live in one place.

Free · no bank connection · no account needed. It never asks for banking credentials and cannot see or move your money. Your figures stay on your device unless you choose to sign in, and the online copy is encrypted before it leaves.

It is a ledger as well as a forecaster. Record each payment as it happens — in any currency, against whichever account or cash wallet paid for it — or import a bank statement and let it file them. Budgets and entries are inputs to the picture 10, 20 and 30 years out rather than the point of it, which is a matter of emphasis and not of what the app can do.

It says what the future rests on. Why a projection moved since you last looked, which assumption it depends on most, and what your main account could read on each of the next ninety days — every figure worked out on your own device.

Valnivo is a free financial planning tool that projects your income, spending and savings over 10, 20 and 30 years. It handles money held in several countries and currencies, and it is private by default.

Every figure is an illustration built on assumptions you can see and change, never a forecast. The projection runs hundreds of possible futures and shows a range rather than one false-precision number, and every assumption is on the page.

Guides

• Paid in one country, living in another — What two inflation rates do to a cross-border salary.
• What will my foreign pension be worth when I retire? — A pension paid in one currency, spent in another, ten, twenty and thirty years out.
• Savings across countries — Adding up money held in several currencies.
• Planning across countries and currencies — Income, savings and debts that sit on different sides of a border.
• Planning in Luxembourg — Living, working and saving in Luxembourg and across its borders.
• Retirement calculator — What a pot pays out, and for how long.
• Compound growth calculator — What regular contributions become over time.
• Which assumption matters most — The five guesses a savings plan rests on, moved one at a time.
• Rent or buy — The comparison, done fairly.
• Mortgage calculator — The monthly payment, and what the loan really costs.
• Luxembourg income tax calculator — The tax in all three classes, side by side.
• Luxembourg salary calculator — Gross to net pay in every tax class, with the June index and meal vouchers.
• French income tax calculator — Five households, side by side.
• How the projection works — What the model does, and what it leaves out.

For developers

Valnivo widgets — a library of embeddable calculators for your own site: projections and what-ifs, cross-border pay, inflation by country, loans and mortgages, rent against buying, which assumption matters most. One line of HTML, no account, no key, and nothing your visitor types reaches us.

Build your embed code — choose the calculators, arrange them into one page, set a currency, a language and your own accent, and copy the HTML. Nothing is saved and no account is needed. Start from a ready-made arrangement — buying a home, paying off what you owe, retirement, moving country, starting something — or run them without the Valnivo mark, free. The offer and its terms are on that page.

New features are switched on early for anyone who wants them — turn beta on in Settings.

Privacy notice · Terms of use · Delete your account · Report a bug or suggest a feature

Where Valnivo is offered

Valnivo is offered from Luxembourg to residents of the European Economic Area. It can be used from anywhere, and the countries in its list are places your money can be, not places the service is directed at.

Where each platform stands

Web. Available now, in your browser.
Android. Available on Google Play. A direct download is there for a phone that cannot use the store. Install from Google Play. Or download the APK — it does not update itself, and it cannot be installed over the Play copy, because it carries our own signing certificate.
iPhone. No App Store version yet. Add the site to your Home Screen for the same thing, full screen and offline.