Is Valutra bookkeeping software?
No. Valutra focuses on cashflow planning and forecasting and does not replace accounting or tax tools.
How do plan items and payments work together?
You plan with plan items. When actual payments exist, you can connect them to instances.
Important rule (no double counting):
- if a payment exists, the payment wins
Note: Features around business, projects/contracts, and VAT are typically relevant for freelancers/self-employed and companies. If you are employed, this is usually not relevant.
Why can’t I add payments in the future?
In Valutra, payments represent what actually happened (today/past). For future events, use plan items (and their instances) via Plan.
Details: Payments & reconciliation
What if the payment date or amount differs from the instance?
That’s normal (e.g. a late payment or a changed amount).
- A payment can be linked to a specific instance.
- The payment date can differ from the planned date.
- Once linked, the payment wins (no double counting).
Details: Payments & reconciliation
Why do the numbers in the current month look “too small”?
In the forecast, the current month shows only the remaining amount.
In practice:
- planned amounts minus payments already recorded
Details: Balance
Why does my forecast differ from reality?
Forecasts are based on the current recorded state of your plan items and payments.
Missing, late, or unreconciled payments will cause deviations. Regular reconciliation helps keep results realistic.
Details: Payments & reconciliation and Balance
Can I separate business and personal finances?
Yes. Use multiple bank accounts and clear naming.
Do you support VAT planning (Germany)?
Yes, as planning support. See VAT.
What does “Forecast included” mean in the VAT modal?
If a period contains recurring business instances for which there is no payment yet, their VAT effect can be included as a forecast.
The VAT modal then shows two variants:
- tax due with forecast
- tax due without forecast
Details: VAT overview
What is tax projection in Valutra?
The Tax projection page helps you record income tax for liquidity planning — using tax assessments, your own projections, and prepayment notices.
Important:
- Valutra is a financial planning and liquidity planning tool, not tax advice and not tax declaration software
- Projections are non-binding estimates
- plan items flow into the balance forecast only after you run "Preview plan items" and "Apply plan items"
Details: Tax projection & assessments
What does “Derive suggestions” include in tax projection?
The automatic suggestion for net business revenue includes only income from Project and Contract planned transactions in Valutra (same tax year and accounting method as VAT). Not included automatically: rental and capital income, manual business entries without Project/Contract origin, and refunded business expenses. You can always add or override values manually.
Where do I compare projection vs. assessment?
On the Overview under Projection accuracy — for tax years where both records exist. Long-term development across all tax years: Tax development in the same section.
Details: Overview
What is the difference between Save and Apply for tax data?
"Save" stores tax data only (assessment, projection, or prepayment notice).
"Preview plan items" calculates the plan items. "Apply plan items" adds them to Planning — only then do they affect the balance forecast.
The balance forecast works only with plan items.
Details: Tax projection & assessments
How can I exclude open instances from the VAT forecast?
If you don’t want open instances included in the VAT summary, create a payment with amount 0 for the affected instance and link it to that instance. It will then count as “paid” and no longer be treated as forecast.
Details: VAT overview
How do category totals work in “Overview”?
In Overview, you can open the Category totals section.
- Only payments with an assigned category are included.
- “Remaining/Open” shows instances in the period that do not have a linked payment yet.
- “Total” is payments + open instances.
Details: Overview
How do I disable “Projects & contracts”?
If you don’t plan income via projects/contracts, you can disable that area in User settings (option “Enable projects & contracts (for freelancers/self-employed)”).
Details: Projects & contracts
How do I set starting balances correctly?
Your forecast starts from your starting balances. If they’re wrong, the entire projection will be off.
You can update bank-account balances from Balance or from Payments. Payments is often the more practical place during daily reconciliation.
A good order to check:
- starting balance (right bank account, plausible date)
- plan items (date, direction, amount)
- linked payments (payments override planning)
Details: Balances
How do I mark plan items as retirement-relevant?
You can mark plan items as retirement-relevant and store a separate “amount in retirement”.
Important:
- The “amount in retirement” is a separate assumption used for the retirement view.
- The plan item itself remains unchanged.
Why are some features limited?
Valutra can be used for free. Some features are limited by count or forecast horizon.
Good to know:
- No data is deleted.
- Existing calculations and views remain visible.
- Limits only affect new entries, changes, or extensions.
For the full overview, see: Usage & limits.
What happens if I switch back to limited usage?
When you switch your usage tier, all existing data remains.
That means:
- No entries are deleted.
- Longer calculations remain visible.
- Changes are only possible if they fit within the current limits.
Details: Usage & limits.
Can I delete my account?
Yes, in User settings.
Important:
- Deletion is irreversible.
- All user data is deleted (accounts, transactions, payments, settings, etc.).
- Recovery is not possible.
How can I contact support?
For support questions, email us: see the imprint (Contact).
How can I send feedback or ideas?
Use the in-app feedback form:
- click Feedback in the footer (available on public pages and inside the app)
Details: Feedback
What data is stored and for how long?
Short version: only what’s needed to operate the app.
Details: