Talvo: Budget Tracker

Talvo is a budget tracker and spending tracker built for Europe. Connect your bank accounts — 2,700+ banks across Europe — and every expense is tracked and categorised automatically. Plan your monthly budget, see where your money goes and follow your net worth in one calm overview. No spreadsheets, no manual entry, and no data shipped across the Atlantic.

AUTOMATIC EXPENSE TRACKING
- Secure bank sync through regulated European open banking (PSD2)
- Every transaction auto-categorised — from Albert Heijn to your local pharmacy
- Clean merchant names and logos instead of cryptic bank strings
- Smart rules: fix a category once and Talvo remembers forever — it even cleans up your history retroactively
- IBAN-aware: transfers between your own accounts never count as spending

BUDGETS THAT COACH, NEVER NAG
- Budget suggestions from your own 3-month averages — set up your monthly budget in one tap
- Safe-to-spend per day: one number that keeps you on track
- Projected month-end: know on day 12 how day 31 will feel
- Rebalance mid-month: move budget between categories, any amount, no judgement
- Leftovers roll over — good months should count for something
- Exclude one-offs so a single gift doesn't wreck your month

KNOW WHERE YOUR MONEY GOES
- Spending tracker with monthly trends and category breakdowns — this month vs last, in three seconds
- Cash flow view: income, expenses and net savings at a glance
- A living money-flow diagram that shows every euro from salary to savings
- Daily spending heatmap — expensive days glow, calm days don't
- Merchant insights: visit frequency, average spend and monthly trend for every shop you visit

NET WORTH & INSIGHTS
- Net worth tracker across all your bank accounts
- Savings rate and net-saved totals for any period
- Search everything: transactions, merchants, tags and notes

PRIVATE BY DESIGN
- Built in Europe, GDPR native — your financial data is stored in Europe, full stop
- Bank connections via regulated European open-banking providers
- Your data is never sold or used for advertising

WORKS WITH YOUR BANK
ING, KBC, Belfius, Rabobank, ABN AMRO, bunq, BNP Paribas, Crédit Agricole, Deutsche Bank, N26, Revolut, Santander, CaixaBank, Nordea, UniCredit and thousands more across Europe.

Whether you're looking for an expense tracker for daily spending, a budget planner for your household, or a money manager that keeps every account and your savings in one place, Talvo does the bookkeeping so you can do the living.

Try Talvo free for 7 days. Cancel anytime.

Terms of Use: https://www.talvo.eu/terms-of-service.html