Kubera vs Talvo

Kubera has no write-up on Specifiction yet; its figures are above.

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.