Track, plan, and make smarter financial decisions—without switching tools. From invoices to forecasts, Valhero gives you the full picture.
15+
feature areas
100%
privacy-first
0$
free to start
Net remaining
$4,280
+$1.2K
Cash flow
22%
Savings
$84K
Net worth
Attention
Recent Activity
Business
Suggested draw
$3,200
6-mo forecast
Net worth trending up
Personal and business finances, without switching tools.
Good morning
Dashboard
Net remaining
$4,280
Income
$8,500
Expenses
-$4,220
Savings
22%
Recent
Client payment
Business income
Netflix
Subscriptions
AWS
Business expense
Net worth
$84K
+12%
Savings rate
22%
this month
0+
features
0%
private
0$
to start
Track, plan, and make smarter financial decisions — from invoices to forecasts, all in one place.
0+
feature areas
0%
privacy-first
0$
free to start
Good morning
Dashboard
Net remaining
$4,280
Income
$8,500
Expenses
-$4,220
Savings
22%
Recent
Client payment
Business income
Netflix
Subscriptions
AWS
Business expense
Net worth
$84K
+12%
Savings rate
22%
this month
Most founders and freelancers cobble together 4–6 tools. The result is fragmented data, blind spots, and slow decisions.
Too many tools
Spreadsheets for personal, QuickBooks for business, notes app for everything else. Nothing talks to each other.
No clear picture
Without a unified view, you can't see how your business health is affecting your personal finances — or vice versa.
Slow decisions
Before you can decide anything, you have to gather data from three places. By then the moment has passed.
Combined Position
$28,400
Personal
$61,200
Business
$89,600
Combined
6-Month Forecast
Personal + business, unified
Keep entities legally separate while seeing everything together. Your combined net worth, cash flow, and forecast — in one screen.
Forecast + scenario simulation
See where you're headed financially. Model a large purchase, a new hire, or a salary change before you commit.
Guided daily decisions
The daily workflow surfaces what actually needs attention — overdue invoices, unusual expenses, suggested owner draws — so you know what to do next.
Every feature is designed around decisions, not just data.
Track every transaction across personal and business accounts. Smart categorization, bulk import, and real-time balances.
Create, send, and track client invoices. Automatically link payments to transactions and monitor outstanding receivables.
6-month rolling cash flow forecast based on real data. Set goals, track progress, and see your financial trajectory.
Model the impact of any purchase before you spend. See exactly how it affects your monthly cash flow and savings rate.
Auto-classify business expenses. See your deductible total at a glance and export clean data for your accountant.
Investments, property, vehicles, and liabilities. Full net worth picture updated automatically as your accounts change.
Most finance apps show you the past. Valhero connects the dots between where you are and what you should do about it — today.
Daily workflow, not a data dump
Every morning you see what needs attention, what to review, and what decisions to make. Not raw tables.
Safe / Tight / Risky status
A plain-language financial health rating based on your real numbers. No jargon — just whether you're on track.
Business profit → personal income bridge
Valhero suggests how much to draw from the business, models the impact on your personal forecast, and logs the transfer.
Join founders and freelancers who use Valhero to make faster, smarter financial decisions — every single day.
No credit card required · Free to start · Cancel anytime