Freedom251 › Personal Finance Software
Talvo
by Talvo
What Talvo is
Talvo is a personal finance app for budgeting, tracking net worth, and reviewing how money moves. It is available on the web, iOS, and Android, with mobile apps for both iOS and Android. Its free Starter plan is billed forever and uses manual accounts and transactions. It includes a spending overview, budgets with pace and projections, insights, and money flow. For people who want bank connections, Plus adds sync with 2,500+ European banks, along with automatic categorization and rules. Plus costs €6 a month, billed monthly; the pricing note also describes paid plans from €6/mo and a 7-day trial. Talvo supports account sync and report export, as well as budgeting tools and net-worth tracking. The maker is Talvo, headquartered in Antwerp, Belgium. Starter is suited to people willing to enter accounts and transactions manually, while Plus provides bank sync and automatic categorization. Both plans are available within Talvo’s web and mobile app offering.
Who it suits
Talvo suits people who want budgeting tools, net-worth tracking, and spending insights across web or mobile. Starter is for users comfortable maintaining accounts and transactions manually; Plus suits those who want bank sync with European banks and automatic categorization.
What it does well
- Free Starter plan is billed forever.
- Budgets include pace and projections.
- Tracks net worth and money flow.
- Available on web, iOS, and Android.
- Plus syncs with 2,500+ European banks.
- Reports can be exported.
What to know first
- Starter relies on manual accounts and transactions.
- Bank sync and automatic categorization require Plus at €6 a month.
Limits
Starter uses manual accounts and transactions. Bank sync with 2,500+ European banks and automatic categorization and rules are included with Plus, which costs €6 a month billed monthly.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Starter | forever · Manual accounts & transactions · Spending overview · Budgets with pace & projections · Insights & money flow | Free |
| Plus | €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 | €5 a month |
As talvo.eu lists them, read 11 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the Talvo website.
- Choose Starter, billed forever, or Plus, billed monthly.
- Use the web app or install the iOS or Android app.
- With Starter, add accounts and transactions manually.
- With Plus, connect through bank sync with supported European banks.
Verdict
Choose Talvo if you want budgeting and net-worth tracking with a free plan or bank sync through Plus. Starter covers manual account and transaction management; look to Plus if you want bank connections and automatic categorization, at €6 a month billed monthly.
Questions
Is Talvo free?
Yes. Starter costs nothing and is billed forever.
What does Starter include?
It includes manual accounts and transactions, a spending overview, budgets with pace and projections, insights, and money flow.
What does Plus cost?
Plus costs €6 a month, billed monthly. The pricing note gives paid plans from €6/mo and a 7-day trial.
Which platforms does Talvo support?
Talvo is available on the web, iOS, and Android, with mobile apps for both iOS and Android.
Does Talvo sync bank accounts?
Plus includes bank sync with 2,500+ European banks. Starter uses manual accounts and transactions.
Who makes Talvo?
The maker is Talvo, headquartered in Antwerp, Belgium.
Facts from Talvo's own pages
- Account sync
- both · talvo.eu, 22 Sept 2026
- Bank connections
- It connects to over 2,700 European banks through licensed PSD2 providers. · talvo.eu, 11 Oct 2026
- Budgeting
- Users can carry unspent category budgets forward, rebalance budgets mid-month and exclude transactions or categories from calculations. · talvo.eu, 11 Oct 2026
- Budgeting tools
- Yes · talvo.eu, 22 Sept 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, 11 Oct 2026
- Currencies
- Talvo supports 21 currencies and converts amounts to a base currency using daily ECB rates. · talvo.eu, 11 Oct 2026
- Data controls
- Users can export their records, disconnect bank accounts or request account deletion from within the app. · talvo.eu, 11 Oct 2026
- Data location
- Talvo says user data is stored in the European Economic Area and protected under GDPR. · talvo.eu, 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, 11 Oct 2026
- Free plan
- Yes · talvo.eu, 22 Sept 2026
- Headquarters
- Antwerp, Belgium · talvo.eu, 28 Sept 2026
- Insights
- Insights show money flows, savings rate and income allocation, with filters for account, category or tag. · talvo.eu, 11 Oct 2026
- Integrations
- Talvo names Enable Banking as its licensed Account Information Service Provider for transmitting account balances and transaction history. · talvo.eu, 11 Oct 2026
- Mobile apps
- both · talvo.eu, 22 Sept 2026
- Net-worth tracking
- Yes · talvo.eu, 22 Sept 2026
- Purpose
- Talvo is a personal finance tracker and budgeting app that brings accounts, spending, budgets and net worth together. · talvo.eu, 11 Oct 2026
- Report export
- Yes · talvo.eu, 22 Sept 2026
- Security
- Bank connections are read-only, and Talvo says it cannot initiate payments or transfer funds. · talvo.eu, 11 Oct 2026
- Spending analysis
- The app compares monthly spending, shows category changes and provides a daily spending heatmap. · talvo.eu, 11 Oct 2026
- Support
- Talvo lists [email protected] as its support contact. · talvo.eu, 11 Oct 2026
- Transaction categorisation
- Talvo automatically categorises transactions and lets users set rules that apply to future transactions. · talvo.eu, 11 Oct 2026
Where Talvo stands on Freedom251
- Personal Finance Software#24 of 181