Talvo
Talvo · Antwerp, Belgium
What it is
Talvo is a personal finance tracker and budgeting app that brings accounts, spending, budgets, and net worth into one place. It connects to more than 2,700 European banks through licensed PSD2 providers, automatically categorizes transactions, and lets users create rules for future categorization. Spending tools compare monthly totals, highlight category changes, and show a daily spending heatmap. Budget controls let users carry forward unused amounts, rebalance mid-month, and exclude transactions or categories from calculations. Insights cover money flows, savings rate, and income allocation, with filters for account, category, or tag. Talvo supports 21 currencies and converts amounts to a base currency using daily ECB rates. The free Starter plan supports manual accounts and transactions, spending overviews, budgets, and insights. Plus costs €6.00 per month and adds bank synchronization and automatic categorization. Talvo is available on web, Android, and iOS, with report export and net-worth tracking. The maker says bank connections are read-only and user data is stored in the European Economic Area.
For and against
For
- Connects to more than 2,700 European banks
- Automatically categorizes transactions and supports rules
- Includes budget carryover and mid-month rebalancing
- Supports 21 currencies and daily ECB conversion
- Offers report export and net-worth tracking
Against
- Bank synchronization is listed with Plus
- Plus costs €6.00 per month
The verdict
Talvo combines budgeting, spending analysis, and net-worth tracking across web and mobile. The free Starter plan uses manual entries, while Plus adds bank synchronization and automatic categorization.
Who it suits
Talvo suits people who want budgeting and net-worth tracking alongside categorized spending and bank connections. Its manual Starter plan may suit those who prefer entering accounts and transactions themselves.
Plans and prices
Starter
Manual accounts & transactions · Spending overview · Budgets with pace & projections · Insights & money flow
Read 11 Oct 2026 · talvo.eu
Plus
Everything in Starter · Bank sync with 2,700+ European banks · Auto-categorisation & rules · AI import of older transactions soon
Read 11 Oct 2026 · talvo.eu
On the record
- Account sync
- bothtalvo.eu · read 22 Sep 2026
- Bank connections
- It connects to over 2,700 European banks through licensed PSD2 providers.talvo.eu · read 11 Oct 2026
- Budgeting
- Users can carry unspent category budgets forward, rebalance budgets mid-month and exclude transactions or categories from calculations.talvo.eu · read 11 Oct 2026
- Budgeting tools
- Yestalvo.eu · read 22 Sep 2026
- Company
- The site identifies MAES IT CONSULT as Talvo's developer and describes the product as made and hosted in the EU.talvo.eu · read 11 Oct 2026
- Currencies
- Talvo supports 21 currencies and converts amounts to a base currency using daily ECB rates.talvo.eu · read 11 Oct 2026
- Data controls
- Users can export their records, disconnect bank accounts or request account deletion from within the app.talvo.eu · read 11 Oct 2026
- Data location
- Talvo says user data is stored in the European Economic Area and protected under GDPR.talvo.eu · read 11 Oct 2026
- Encryption
- Talvo says it uses AES-256 encryption at rest and TLS 1.3 in transit, and that bank credentials remain with the bank.talvo.eu · read 11 Oct 2026
- Insights
- Insights show money flows, savings rate and income allocation, with filters for account, category or tag.talvo.eu · read 11 Oct 2026
- Integrations
- Talvo names Enable Banking as its licensed Account Information Service Provider for transmitting account balances and transaction history.talvo.eu · read 11 Oct 2026
- Mobile apps
- bothtalvo.eu · read 22 Sep 2026
- Net-worth tracking
- Yestalvo.eu · read 22 Sep 2026
- Purpose
- Talvo is a personal finance tracker and budgeting app that brings accounts, spending, budgets and net worth together.talvo.eu · read 11 Oct 2026
- Report export
- Yestalvo.eu · read 22 Sep 2026
- Security
- Bank connections are read-only, and Talvo says it cannot initiate payments or transfer funds.talvo.eu · read 11 Oct 2026
- Spending analysis
- The app compares monthly spending, shows category changes and provides a daily spending heatmap.talvo.eu · read 11 Oct 2026
- Support
- Talvo lists [email protected] as its support contact.talvo.eu · read 11 Oct 2026
