One app for every part of your money.
Everything MintValt does, in the order you would actually use it. It starts with a statement you already have.
Getting your money in
Upload a statement and MintValt does the rest
A statement, as a PDF or a spreadsheet
Upload the file your bank already gives you. MintValt reads it and shows you what it found before anything is saved.
A photo of a receipt
Snap it and the shop, the date and the total come off it. The photo itself is never stored.
Forward it by email
You get your own MintValt address. Forward a statement to it and it lands in the app.
Sorted as it arrives
Every payment is filed into a group like food, rent or travel, without you doing it.
It remembers what you told it
Move a shop into a different group once and it stays there. It learns from your corrections, never from a guess of its own.
Where you stand
Everything you own and owe, on one screen
What you own, minus what you owe
Every account added up into one number, tracked over time so you can watch the line move.
What needs you this month
A budget you have already passed, or spending running faster than the month is. Told as it happens, not buried in a report.
One screen for everything
Every account and what is left across all of them, in the currency you think in.
Every payment, searchable
Filter by shop, group, account or date, and edit as many as you like at once.
A financial health score
ProfessionalOne honest number, with the specific things that would raise it.
Money in more than one currency
Built for money that crosses borders
150+ currencies
Hold accounts in any currency with live exchange rates, built for expats, freelancers and anyone managing money across borders.
Rates refresh through the day, and past months stay converted at the rate that applied then.
Looking ahead
What you can spend, and what is coming
Budgets that tell you before, not after
A limit per group, and a nudge as you get near it. You can see how far through the month you are next to how much you have spent.
Budgets it works out for you
MintValt suggests a number from what you have actually been spending, so you are agreeing to a figure rather than inventing one.
What is safe to spend today
The bills you have coming are already set aside.
Your balance, six months out
PremiumBuilt from the bills you already pay and the way you already spend.
What if
PremiumA pay rise, a rent rise, a bigger goal. Change it and watch the whole picture move.
Saving for something
Set the target and the date, and see whether you are on pace.
Bills that repeat
Found on their own, from what you actually pay each month.
Looking back
Where it actually went
A month, a quarter or a year
What came in, what went out, what you kept, and the share of your income that stayed.
Measured against the period before
Every figure carries what it was last time, so a good month is one you can prove rather than assume.
Where it actually went
Every group, biggest first, with what it costs you a month and the payments behind it.
What moved, and by how much
The handful of groups that account for a rise or a fall, named rather than left for you to find.
Where you shop
Who you pay most, and how that has changed.
A tax report
PremiumMark a group as deductible and the year comes out as a PDF or a spreadsheet.
Ask it a question
ProfessionalIn your own words, about your own money
Ask in your own words
Can I afford this. Why was last month expensive. What do I spend on food. Every answer is worked out from your own accounts, not from averages.
Follow it up
Change the question and ask again. What if I put in less each month, what would close the gap, how much would that actually save.
It reads the same figures you do
Spending by group, individual payments, budgets, goals, what is safe to spend, the months ahead, your net worth, the bills that repeat and the shops you pay most.
Try a change before you make it
Ask what a pay rise, a rent rise or a bigger goal would do, and it runs the same forecast the app draws rather than guessing at it.
It asks before it changes anything
It can set a budget, start a goal or file a payment for you, but it says what it is about to do and waits for a yes first. It never deletes anything.
One thread per question
Keep separate conversations, rename them, come back to one later, and delete the ones you are done with.
When you want to go further
Sharing, shortcuts, and building on top
Share with the people you live with
PremiumAn account, a budget or a group, plus a record of who paid what. Nothing is shared until you choose it, and you can take it back any time.
Your own groups
Name them the way you actually think about your money.
Change many at once
Move dozens of payments into a different group in one go.
Build on it
PremiumA proper API, and alerts to your own systems the moment something changes.
Take it with you
Your transactions and your net worth history as a spreadsheet, any time.
See it all working on your money.
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