Valutra
Self-employed with fluctuating income?
Valutra forecasts your future liquidity — and shows whether your financial planning remains sustainable over the 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 last in retirement — and whether your lifestyle stays affordable.
Why self-employed people use Valutra
- Income fluctuates — and so does your liquidity.
- Taxes affect your liquidity — so they belong in your planning just like income and expenses.
- Liquidity gaps appear unexpectedly.
Valutra brings together income, expenses and tax payments — including tax assessments and prepayment notices — in a single liquidity forecast.
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
- Balance forecast (with a limited time horizon)
- Tax planning (currently Germany) and retirement planning (each with limits)
Pro (in preparation)
For longer planning horizons and fewer limits when you need more flexibility.
- Longer forecast horizons and unlimited tax projection years
- Fewer limits for projects, contracts, loans, and aggregated assets
- More depth for decisions (without bookkeeping or investment focus)
Core features
Future account balance forecast
See what is likely to happen on your accounts — based on your plan and real payments.
Planned income & expenses
Create one-time and recurring items with dates and time ranges — so the forecast stays explainable.
Tax planning (currently Germany)
Manage tax assessments, tax projections and prepayment notices, and see expected tax payments in your forecast. Compare projections with later tax assessments and understand the differences — a non-binding planning aid, not tax advice.
Compare plan vs. reality
Link payments to planned items and spot deviations — without double counting.
VAT in your forecast (currently Germany)
Expected VAT payments appear automatically in your forecast — so you can see upcoming VAT payments early.
Projects and contracts
Generate recurring plan items from projects and contracts without losing real payments.
Bank CSV import (MVP)
Onboarding helper: upload a bank CSV and run Initial Import to create payments and suggested plan items. Currently supports imports from Consorsbank, Fyrst and Comdirect — not every bank and not generic CSV files.
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.