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SPECIFICTION
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Talvo

talvo.eu

From €5/mo Free plan WebiOSAndroid
Visit talvo.eu
Spec score 8.9 #8 of 181 in Personal Finance Software

What it is

Talvo is a personal finance tracker for bringing accounts, spending, budgets and net worth into one view. It runs on the web, iOS and Android. Its free Starter plan uses manually maintained accounts and transactions, with a spending overview, budgets with pace and projections, insights and money-flow views. Plus adds bank synchronization and automatic categorization with rules; it costs €6.00 per month, billed monthly. Talvo connects to over 2,700 European banks through licensed PSD2 providers, and insights can be filtered by account, category or tag. Spending analysis compares months, highlights category changes and shows a daily spending heatmap. Budgets can carry unspent amounts forward, be rebalanced mid-month, or exclude selected transactions or categories. The app supports 21 currencies, converting to a base currency using daily ECB rates. Bank connections are read-only, and users can export records, disconnect accounts or request deletion in the app. Talvo says data is stored in the EEA under GDPR protections.

Spec sheet

Purpose
Talvo is a personal finance tracker and budgeting app that brings accounts, spending, budgets and net worth together.Read 11 Oct 2026 · talvo.eu
Free plan
YesRead 22 Sep 2026 · talvo.eu
Integrations
Talvo names Enable Banking as its licensed Account Information Service Provider for transmitting account balances and transaction history.Read 11 Oct 2026 · talvo.eu
Mobile apps
bothRead 22 Sep 2026 · talvo.eu
Security
Bank connections are read-only, and Talvo says it cannot initiate payments or transfer funds.Read 11 Oct 2026 · talvo.eu
Support
Talvo lists [email protected] as its support contact.Read 11 Oct 2026 · talvo.eu
Headquarters
Antwerp, BelgiumRead 28 Sep 2026 · talvo.eu
Company
The site identifies MAES IT CONSULT as Talvo's developer and describes the product as made and hosted in the EU.Read 11 Oct 2026 · talvo.eu
Account sync
bothRead 22 Sep 2026 · talvo.eu
Bank connections
It connects to over 2,700 European banks through licensed PSD2 providers.Read 11 Oct 2026 · talvo.eu
Budgeting
Users can carry unspent category budgets forward, rebalance budgets mid-month and exclude transactions or categories from calculations.Read 11 Oct 2026 · talvo.eu
Budgeting tools
YesRead 22 Sep 2026 · talvo.eu
Currencies
Talvo supports 21 currencies and converts amounts to a base currency using daily ECB rates.Read 11 Oct 2026 · talvo.eu
Data controls
Users can export their records, disconnect bank accounts or request account deletion from within the app.Read 11 Oct 2026 · talvo.eu
Data location
Talvo says user data is stored in the European Economic Area and protected under GDPR.Read 11 Oct 2026 · talvo.eu
Encryption
Talvo says it uses AES-256 encryption at rest and TLS 1.3 in transit, and that bank credentials remain with the bank.Read 11 Oct 2026 · talvo.eu
Insights
Insights show money flows, savings rate and income allocation, with filters for account, category or tag.Read 11 Oct 2026 · talvo.eu
Net-worth tracking
YesRead 22 Sep 2026 · talvo.eu
Report export
YesRead 22 Sep 2026 · talvo.eu
Spending analysis
The app compares monthly spending, shows category changes and provides a daily spending heatmap.Read 11 Oct 2026 · talvo.eu
Transaction categorisation
Talvo automatically categorises transactions and lets users set rules that apply to future transactions.Read 11 Oct 2026 · talvo.eu

Plans and prices

Starter Free forever Manual accounts and transactions · Spending overview · Budgets with pace and projections · Insights and money flow Read 22 Sep 2026 · talvo.eu
Plus €6 a month billed monthly Bank sync with 2,500+ European banks · Automatic categorization and rules Read 22 Sep 2026 · talvo.eu
Starter Free forever Manual accounts & transactions · Spending overview · Budgets with pace & projections · Insights & money flow Read 11 Oct 2026 · talvo.eu
Plus €5 a month €59.99 billed yearly; 7 days free, then €59.99/year Everything in Starter · Bank sync with 2,700+ European banks · Auto-categorisation & rules · AI import of older transactions soon · AI financial guidance soon Read 11 Oct 2026 · talvo.eu

Every Talvo plan and price →

Strong points and limits

Strong points

  • Free Starter plan billed forever
  • Connects to over 2,700 European banks
  • Supports 21 currencies
  • Offers spending heatmaps and filtered insights
  • Users can export records or disconnect accounts

Limits

  • Starter relies on manual accounts and transactions
  • Plus costs €6.00 per month
  • Bank sync is limited to European banks

Who it suits

Talvo suits people who want budgets, spending analysis and net-worth tracking across web and mobile. Starter is for manual account upkeep; Plus adds bank sync and transaction rules.

Verdict

Talvo combines manual or synchronized account tracking with flexible budgeting and spending insights. Choose Starter for manual updates, or Plus if bank syncing and automatic categorization fit your workflow.

Where Specifiction places it

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