Talvo: Budget Tracker
Expenses synced from your bank
Only for iPhone
Free · In-App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Track spending automatically and see what's left of your budget each month. Connect 2,700+ European banks. Private by design, built in Europe. Try it free for 7 days.
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
Connecting all your banks is now easier.
- Find your bank by its familiar app icon when you connect
- Have another bank? Connect it straight from Home
- Bank didn't connect? Tell us what happened, so we can fix it
- Your monthly budget shows at a glance what you've spent and whether you're on pace
- Smaller fixes and improvements
The developer, Talvo, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Size
- 68.1 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Pro Yearly 59,99 €
- Pro Monthly 9,99 €
- Provider
MAES IT CONSULT
- MAES IT CONSULT has identified itself as a trader for this app and confirmed that this product or service complies with European Union law.
- DUNS Number
372527427 - Address
Floralienlaan 449
2600 Antwerpen
Belgium - Phone Number
+32 451078916 - Email
info@gettalvo.com
- Copyright
- © 2026 MAES IT CONSULT