Talvo

What Talvo is

Talvo is a personal finance tracker and budgeting app that brings accounts, spending, budgets, and net worth together. It is available on web, iOS, and Android. The free Starter plan uses manually maintained accounts and transactions and includes a spending overview, budgets with pace and projections, insights, and money flow. Plus adds bank synchronization with more than 2,500 European banks, automatic transaction categorization, and rules for future transactions; it costs €6 a month, billed monthly. Talvo compares monthly spending, highlights category changes, and provides a daily spending heatmap. Users can carry unspent category budgets forward, rebalance budgets during the month, and exclude transactions or categories from calculations. Insights cover money flows, savings rate, and income allocation, with account, category, and tag filters. Talvo supports 21 currencies and converts amounts to a base currency using daily ECB rates. It says connections are read-only, data is stored in the European Economic Area, and users can export records or disconnect accounts and request deletion. The maker is Talvo, based in Antwerp, Belgium.