Sure vs Talvo

Sure is a personal finance platform for tracking and managing personal and business money. It links accounts from more than 10,000 financial institutions through Plaid, and users can add assets and debts manually, including collectibles and personal loans. Investment balances can be combined with live market data. Transaction management includes custom categories, merchants and tags, filters, bulk edits, notes, receipts, manual entry, and CSV imports. Rules can categorize transactions by description, merchant, or amount, and apply to past or future activity. Budgeting tools cover category budgets, spending trends, cash-flow planning, and planned-versus-actual comparisons. An AI assistant answers questions about financial data through natural-language chat and analysis. Sure is open source under AGPLv3 and its self-hosted plan costs nothing, with contributions optional. It supports web, macOS, iOS, Android, API, and self-hosted use. The pricing page says a proper hosted version is not yet offered; users can self-host or consider third-party hosting.

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.