salvatoresorvillo/valutio

Valutio is a free, open source personal finance app for tracking net worth, investments, accounts, cash flow, taxes, retirement goals, and history over time. It runs entirely in your browser, can be installed as a progressive web app, and works offline. There is no account to create, no cloud syncing, no bank connection, and no subscription fee. Your financial data stays stored in your browser unless you choose to export a backup or refresh live market prices. The dashboard shows your gross and after tax net worth, how your money is allocated, monthly changes, and your savings rate. Separate sections cover cash and pension accounts in multiple currencies, an investment tracker for stocks, ETFs, and crypto with cost basis and dividend tracking, a cash flow view that can import bank statements from PDF or CSV and automatically categorize transactions with editable rules, a tax section with configurable tax brackets and country presets, tracking for physical assets and debts, savings goals and retirement projections, and a history view of monthly snapshots over time. Because it stores data locally, Valutio only sends information to outside services when you specifically ask it to refresh a live price or exchange rate, and it never has server side accounts. You can export your data as plain JSON, as a password protected encrypted JSON file using strong browser based encryption, or as an Excel workbook, and import that data back in later. There is no password recovery for encrypted backups, so losing the password means losing access to that particular backup. To run it locally, you start a simple Python web server in the project folder and open it in a browser. The app includes command line scripts for testing its financial calculations, validating a saved backup file, and generating a large synthetic wallet for stress testing. The README notes that Valutio is a planning and record keeping tool, not tax or investment advice, and does not state a software license.