The rolling balance engine
Every day opens with yesterday's closing total. No recalculating, no loose ends.
Mon
$980
Tue
$1,240
Wed
$1,375
Built for operators on the go
Run your daily cash flow without the spreadsheet headache.
Opening balances roll forward automatically. Track float, daily expenses, maintenance, and who owes you — built for operators on the go.
6 days free, then $9/monthPrivate to your accountWorks beautifully on mobile
Yesterday · closed
$1,240.00
$1,240.00
Today · opening balance
Auto$1,240.00
Delivery job+$300.00
Fuel · Truck A−$165.00
Running total
$1,240.00
One clear system
The daily numbers, connected.
Asset maintenance
Service history and lifetime cost for anything you own.
Truck A72%
Generator38%
Money owed radar
A simple reminder of who owes you and what you owe.
Ali · $120
Flexible profit mode
Track expenses only, or switch on full profit & loss any time.
Field-tested & signal-aware
Fast on any phone, and it warns you the moment your signal drops.
You're onlineInstant multi-ledger switcher
Keep your shop, vehicle and side gig apart — switch in one tap.
Live demo — saved only on this device
Run the ledger yourself.
Edit every field, add as many entries as you need, and review earlier dates. After 2 saved days, create an account to continue.
Intermediate
$13,250.00
Expenses
$180.00
Grand total
$13,070.00
2 demo days left
Daily rhythm
From first entry to clear totals.
- 01
Set up your business
Name your company, pick a currency, and choose whether to track expenses only or expenses plus profit & loss.
- 02
Record the day
Add the float you’re spending from and every expense as it happens. Totals update while you type.
- 03
Let the balance roll
Tomorrow starts from today’s closing balance, with every report ready to export.
How to use Valo
A full guide, in plain words.
Whether you only want to know what you spend, or you also want to see profit and loss, here is everything you need — explained simply.
Your first day
Getting started, step by step
Valo is a notebook for your business money. You type what happens each day, and it keeps the totals for you. Nothing is connected to a bank — you are always the one writing it down.
1. Create your account
Sign up with your email or your Google account. That account is yours alone — nobody else can see what you write in it.
2. Answer four short questions
Your business name, the money you use (US dollars is the usual choice), what you want to call the things you spend money on (Vehicle, Shop, Machine — anything), and a name for your first book of records.
3. Choose how much you want to track
Pick 'expenses only' if you just want to know what you spend. Pick 'expenses and profit & loss' if you also want to know what you earn and whether you made money. You can change this later in Settings — nothing gets deleted.
4. Open the Ledger and start your first day
The Ledger is your daily book. Tap the button to add today. Type the money you are starting the day with, then write down each thing you spend as it happens. Tap save when the day is done.
Path A
I only want to know what I spend
The simplest way to use Valo. No earnings, no profit — just where your money goes.
Start the day with your cash
Open a new day and type how much money you have in hand to spend. The next day starts by itself with whatever was left — you never have to work it out again.
Write down every spend
Each line has three things: how much, what it was for, and which item it belongs to (for example 'Delivery bike'). That's all. Nothing else is needed.
Add money during the day
If you put more cash in to keep spending, add it as money in. In this mode it is simply more money to spend — it is not counted as earnings anywhere.
Save and move on
Tap save. The day closes with a clear total, and tomorrow opens where today ended.
See where the money went
Analytics shows your spending by day, by item and by description. No income, no profit — just spending, because that is all you asked for.
Path B
I want expenses and profit & loss
For when you also want to know what came in and whether the business made money.
Everything above still works the same
You keep the same daily book: opening cash, spending lines, save. Nothing changes about how you record a day.
Record what you earn on the Revenue page
When a customer pays you, add it on the Revenue page with the amount, the date and a short note. This is the money that counts as earnings.
Money added inside a day is not automatically earnings
Cash you drop into a day to keep spending is called float — it is only there to pay for things. If that cash really is a sale, tick the option to mark that line as revenue when you add it.
Why we keep them apart
If every dollar you put in your pocket counted as earnings, your profit would look much bigger than it really is. Keeping float and revenue separate keeps the profit figure honest.
Read your profit
The Dashboard and Analytics show money in, money out and what is left over — your profit or loss — for whatever period you choose.
The rest of the app
Helpful extras, whenever you need them
Maintenance
A service record for anything you own — a bike, a fridge, a machine, a phone. Write the date, what was done and the cost. You can also choose to add that cost to that day's report, and it will go into your Ledger by itself. The cost is only counted once, never twice.
Money owed
A reminder list, nothing more. Two sides: people who owe you, and people you owe. Add a name, an amount and a due date. When it is paid, tap the tick and it is ticked off. It never touches your balance, your expenses or your profit — if that money should count, type it into the day's report yourself.
Repeat expenses
Costs you pay again and again — rent, wages, fuel. Save them once in Settings, then add them to any day with one tap instead of typing them out.
Budgets
Set a monthly spending limit for the whole business, or for a single item. Analytics shows how close you are to it.
Reports
Any day can be saved as a PDF, and every list can be downloaded as a spreadsheet file — useful for an accountant or your own records.
On your phone
Open valofinance.app on your phone and add it to your home screen. It then opens full-screen with its own icon, just like any other app.
Words you will see
Plain meanings
- Ledger
- Your book of days. You can keep more than one — for example one for the shop and one for the house.
- Opening balance
- The money you start the day with. It fills in by itself from yesterday.
- Float
- Cash put in just to pay for things. It is not earnings.
- Revenue
- Money you actually earned, recorded on the Revenue page or ticked as revenue.
- Asset
- The thing a cost belongs to — a bike, a shop, a machine. You choose what to call these at setup.
- Grand total
- What is left at the end of the day. It becomes tomorrow's starting money.
Word of mouth
What owners say.
Reviews from people running their business on Valo Finance.
“I used to guess my daily cash position from a notebook. Now the closing balance just carries itself into tomorrow.”
“The asset tags are the part I didn't know I needed. I finally see what my bike actually costs me each month.”
“Simple enough to fill in standing up between customers. The money owed page alone is worth it.”
Simple pricing
Start with a 6-day free trial, then $9/month. Try the demo above first — no account needed.
Full access
Valo Finance Pro
$9 /month
First 6 days free
- Unlimited daily reports & ledgers
- Rolling balance that carries forward
- Advanced analytics & trends
- Budget tracking per asset
- Maintenance logs with lifetime cost
- Money owed tracker (who owes you & what you owe)
- Recurring expense quick-add
- CSV & PDF exports
- Priority support
No charge until day 7Cancel anytime from your profileTaxes handled automatically
Good to know
Questions, answered.
Close the books with confidence.
Set up in about a minute, then keep each day accurate in seconds.
Create your ledger