Payhawk vs Valua

What is Payhawk? One place to manage your entire spending lifecycle in a digitally compliant way. Why Payhawk? A click of a button is better than a trip to a bank. Next Generation cards * Issue cards instantly - issue physical or virtual cards to employees with a click. * Set spending limits - decide how much every employee can spend and create limits by vendors, categories and time * Control cash withdrawals and online payments - enable or disable ATM cash withdrawals & online payments. * Design custom approval chain - empower employees to request funds through an approval process * Prevent card sharing - delete all pictures of your shared company card. * Issue team cards for employees spending from a shared budget - the right way to manage subscriptions, marketing budgets, or project-based spending * Business Debit cards - issued by Visa and accepted worldwide. Don’t deal with expense reports and receipts * Real-time notifications - snap photos of receipts and invoices after every card transaction. * Don’t chase invoices - employees are constantly reminded to submit payment proofs. * Automated inbox - digital invoices are automatically matched with card transactions. * Automated categorization - based on your own chart of accounts. * Let us take care of the pre-accounting - we use smart computer vision that reads 60+ languages making every expense ready for reconciliation * Reconcile in real-time - calculate your budget vs. actual reports in real time * Easily pay bills and reimbursements - Initiate SEPA and Faster Payments transfers with one click directly from the platform * Go paperless - invoices, receipts, and bank statements are all digital and kept for 10 years. * No more bank statements - transactions and expenses are matched with a breeze. * Accounting integrations - push reconciled expenses straight to your accounting system. Do you work with an external accounting team? No problem, you can easily invite them to our web portal or export them a monthly Excel report. Learn more and sign-up at https://payhawk.com Follow us on LinkedIn: https://www.linkedin.com/company/payhawk-com/

Valua is about your most valuable currency: time. It shows how many work hours each purchase costs and helps you make more conscious decisions about spending and income. Widgets • Life Countdown widgets in three sizes show remaining lifetime • Customize displayed time: exclude work, sleep, or custom activities • Set retirement date for accurate free time calculations • Real-time updates with progress indicators How it works • Money → hours of life: every expense shows its share of income and the work-time equivalent. • Reality-aware: inflation and exchange rates are factored into calculations and charts. • Clear visuals: income/time scale, salary trend, period-to-period comparison. Expenses • Three base categories: Want, Own, Owned. • Personal folders and 13 inflation categories (headline + 12 groups). • Subscriptions, goods, and services tracked with both money and time impact. Income • Work contracts in multiple currencies and periods. • Recalculation with inflation and FX (when base currency differs). • Salary chart to see if purchasing power is truly rising. Markets • Historical/current FX rates, popular cryptocurrencies, and precious metals. • Charts for currency pairs and category inflation for primary/secondary regions. Life Expectancy • Remaining-time estimate by sex, birth date, and region. • Custom life expectancy date option alongside calculated estimate • Configure work hours, sleep, and personal time for free time analysis • Add loved ones to appreciate shared time. Tools • New: Gross-Net Salary Calculator for Germany. -Calculate net monthly and annual income from gross salary. -Detailed breakdown of taxes and social contributions (Pension, Health, Care, Unemployment). -Visual charts showing the tax burden distribution. -Support for all Tax Classes, Church Tax, and Child Allowances. -Insights into Employer's total cost. • Convert time units to/from decimal. • Time-between-dates calculator. • PIN and Face ID/Touch ID protection. Privacy • All user data is stored on device, no third-party sharing, no cross-device sync. • No ads. Getting started • In Settings, set net income, work time, currency, and region; enable the income/time scale. • Use the Calculator (Settings → Taxes) to compute your precise net income. • Add Life Countdown widgets to your home screen for daily reminders. • Add expenses to see their cost in hours of life. • Create a contract in Income to track real trends with inflation and FX. Disclaimer: Valua is not financial advice; it's a visualization and self-reflection tool. Terms of Use (EULA): https://gist.github.com/silencepeaceoff/09f7c3590815114c8fcd779e0ac6f121 Privacy Policy: https://gist.github.com/silencepeaceoff/cf38abf1f5d0ad01f00a37f6c7bc68d7