Valutra
Self-employed with fluctuating income?
Valutra forecasts your liquidity over years — and shows whether your financial planning stays sustainable long-term.
Demo without sign-up • No bank connection • Data processing in the EU
Also relevant if you’re not self-employed
Check whether your money will be enough in retirement — and whether your lifestyle stays affordable in retirement.
Why self-employed people use Valutra
- Income fluctuates — and so does your liquidity.
- Tax payments hit later.
- Liquidity gaps appear unexpectedly.
Valutra makes your future liquidity visible — before it gets critical.
And in retirement?
- Simulate your withdrawal phase.
- Check your lifestyle.
- See whether your assets will last long-term.
Pricing
Start free. Pro is in preparation.
Free
For getting started and mid-term planning.
- Plan future income and expenses as a timeline
- Balance forecast (with a limited time horizon)
- Simulate your retirement finances realistically (with limits)
Pro (in preparation)
Pro is intended to support longer horizons and fewer limits for intensive planning.
- Longer forecast horizons
- Fewer limits for projects, contracts, loans, and aggregated assets
- More depth for decisions (without bookkeeping or investment focus)
Core features
Forecast future balances
See what’s likely to happen to your accounts — based on plans and real payments.
Turn income & expenses into a timeline
Create one-time and recurring items with dates and time ranges — so the forecast stays explainable.
Compare plan vs. reality
Link payments to planned items and spot deviations — without double counting.
VAT planning (Germany only)
For Germany: expected VAT outflows show up as explicit items in your forecast.
Translate projects & contracts into planning
Generate recurring plan items from projects/contracts without losing real payments.
Principles & trust
Short and clear: data, rules, and explainability.
- Privacy-first: no tracking, no bank connection.
- No double counting: payments override the plan.
- Explainable rules and transparent docs.
Start free — see the future as a forecast
If you want to know what will actually be available and whether your lifestyle stays sustainable: Valutra helps you connect planning with reality.