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Assets

What assets are for

Assets help you track things you own (or financial holdings) and their value over time.

Note: The number of active entries is limited when using Valutra for free. See Usage & limits.

Typical examples are savings plans, securities, cash holdings, or insurance contracts.

Related plan items & payments

For certain asset types, the app automatically creates plan items (e.g. monthly contributions or a payout). These plan items:

  • appear in the overviews (e.g. plan / balance),
  • can receive regular payments,
  • are not directly editable, because they are derived from the asset.

If you want to change amounts, timing, or categories, change the asset — the related plan items are updated accordingly.

How payments affect the plan

Especially for savings plans (and for insurance contribution/payout plan items), note:

  • Payments can differ from the plan (different amount, skipped month, extra contribution). As soon as there are payments in a given month/interval, the payments are what count.
  • Withdrawals are supported: record a payment with direction IN (money coming back to you). In the calculations this behaves like taking money out of the asset.
  • If there is no payment for that month/interval, Valutra uses the planned contribution as the assumption.
  • If you want to ignore planning for a specific period (e.g. you skip a contribution), create a payment with amount 0 for that month/interval. This overrides the plan without counting an amount.

Supported asset types

At the moment, Valutra supports the following types:

Savings plan

For recurring contributions with an expected return.

What you can enter today:

  • Start date
  • Recurring contribution (amount + currency)
  • Interval (monthly / quarterly / …)
  • Expected return (required) (percent per year)
  • Optional: End date (stops the contribution plan and the projection)
  • Category (used for the derived plan items; must match the selected purpose)

What Valutra creates automatically:

  • One derived plan item (direction OUT) for the contribution, valid from the start date until the end date (if set).

How the value projection works:

  • The projection is calculated in steps of your selected interval (monthly / quarterly / …) using month-based compounding.
  • If you record payments for the contribution plan item, those payments are treated as the source of truth for “paid in / withdrawn” for that period.
  • If you enter a value history entry for a month, that month’s displayed value uses the value history (and becomes the baseline for future projections).

Securities

For a position modeled as a starting value plus an expected return.

What you can enter today:

  • Starting value (required) (amount + currency)
  • Buy date / start date
  • Optional: Sell date / end date (stops the projection)
  • Expected return (required) (percent per year)

Current limitations:

  • Valutra does not create buy/sell plan items.
  • The end date does not create sale proceeds; it only stops the projection.

Cash

For a cash balance modeled as a starting value.

What you can enter today:

  • Starting value (required) (amount + currency)
  • Start date
  • Optional: End date (stops the projection)
  • Expected return (required) (percent per year; can be 0)

Note: Cash assets do not create plan items. They are used as a value series.

Other

For other holdings that behave like a starting value plus an expected return.

What you can enter today:

  • Starting value (required) (amount + currency)
  • Start date
  • Optional: End date (stops the projection)
  • Expected return (required) (percent per year)

Note: Other assets do not create plan items.

Insurance

For contracts with recurring contributions and a later payout.

What you can enter today:

  • Start date
  • Recurring contribution (amount + currency)
  • Interval for the contribution (monthly / quarterly / …)
  • Payout date (required)
  • Payout amount (required) (amount + currency)
  • Payout type (required): lump sum or monthly payout
  • Category (used for the derived plan items; must match the selected purpose)

What Valutra creates automatically:

  • One derived contribution plan item (direction OUT) from the start date until the last contribution period before the payout date.
  • One derived payout plan item (direction IN) starting at the payout date:
    • Lump sum: a single instance on the payout date.
    • Monthly payout: a monthly income stream starting at the payout date with no automatic end date.

Current limitation:

  • Insurance does not compute an expected value path; the detail view focuses on the schedule of contributions/payouts.

How the value path is calculated

For securities / cash / other, the value path is calculated in monthly steps.

For savings plans, the value path is calculated in steps of your selected contribution interval (monthly / quarterly / …).

Growth uses month-based compounding (bank-like month handling):

Interest = Value × ((1 + r/12)^(months) - 1)

Where r is the annual expected return in percent (e.g. 5 for 5% p.a.).

Value history behavior:

  • If you enter a manual value in the value history for a month, it overrides the calculated value for that month (and becomes the baseline for later months).

References (for contributors)

Do I need this to get started?

If your main goal is cashflow forecasting, you can ignore assets initially.

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