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MintValt

Where is my money going?

My spreadsheet could never answer that. Upload your bank statements and MintValt does, across every account, card and currency.

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A card statement, a spreadsheet and a receipt for one month, under MintValt's answer: the month came to $4,671.51.
Rewards Credit CardStatement
Card ending 4417Page 1 of 3

Foreign amounts shown as charged.

All four are in my spreadsheet too. Counted once.

My spreadsheet. It counted ¥48,600 as $48,600.

MENYA KAI
Kyoto
Shoyu ramen1,200
Gyoza650
TOTAL¥1,850
27/09

¥1,850 = $12.40. Not $1,850.

The same month, in MintValt

Last month came to $4,671.51.

From one statement, one spreadsheet and one receipt.

  • Home$2,100
  • Health$1,420
  • Travel$808

3 currencies, one total, in your home currency.

What a spreadsheet never did for us.

Four currencies. One answer.

Every account stays in its own currency, and MintValt adds them up in the one you think in.

so how much do I actually have??

one figure, every currency

The MintValt accounts screen on a phone: one total across eleven accounts, with US dollars, Canadian dollars, euros and sterling each shown in their own currency.

See the low point before you hit it.

MintValt reads the bills you already pay and shows your balance six months out, lowest day included.

will I make it to payday?

The MintValt forecast on a phone: the balance stays above zero for the next six months, ending six months out at $9,593, with each month's lowest point listed.

yes, with $3,580 to spare

Twelve months, side by side.

Pick a month, a quarter or a year and see what came in, what went out and what you kept.

spending more than last year??

yes, 13% more. travel +60%

MintValt analytics on a phone: money in, money out and what was kept this year, each set against the same dates last year, above twelve months of paired bars.

Upload last month's statement. That's the setup.

No bank login. Upload a file, or forward the email your bank already sends you.

See it with a sample card statement:

Step 3: Know where it went

One figure, broken down.

This card, last month

$1,740.26

  • Travel$1,567.25
  • Groceries$88.34
  • Transport$77.92
  • Dining Out$6.75

mostly that trip, then

Sorted and added up: $1,740.26.

or forward an email instead, above

And it keeps an eye on the rest.

An eating out budget: $677 of $940 spent, 17% ahead of pace, $1,234 projected, with a button to move $300 in.

Warned on the 17th, not the 31st.

Eating out is $677 of $940 with 14 days to go, which is 17% ahead of pace. There is still time to ease off, or to move $300 across from a quieter budget.

How budgets work
A Japan trip savings goal: $1,850 of $6,000 saved at $154 a month, landing 13 months late, needing $296.43 a month to be on time.

The real finish date, even when it's late.

At $154 a month, you'll reach the Japan trip goal 13 months late. It also tells you what would get you there on time: $296.43 a month.

How savings goals work

It also tracks net worth, receipts, recurring payments and a health score, and answers questions in your own words.

See all eighteen features

Why it costs $10 a month.

Because MintValt is not free, there are no ads and nothing to sell. You are the customer, so the only person it has to work for is you.

And there is one plan, because choosing between plans is work you should not have to do. Every feature is in it, from the first day of the trial.

Monthly

$10/month

Yearly

Works out at 27 cents a day

2 months free$100/year

Join the waitlist

No card to start, nothing charged when the trial ends, and 14 days to get your money back after your first payment.

Every feature is included.Explore the features

Your month came to

Upload one statement and find out. No bank login, any bank, anywhere. Get in line now, and start the day your invite arrives.

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