Talvo
Claim this toolUnified European personal finance dashboard with 2,500+ bank connections
From $7.99/mo (free plan available)Visit WebsiteThe Bottom Line
- Price
- From $7.99/mo (free plan available). Compare plans
Key facts
- Connects to a wide range of European banks via PSD2 for automatic transaction sync and categorization
- Provides spending insights, net worth tracking, and a money-flow diagram to visualize income and expenses
- Offers a free manual tracking plan, with paid plans for bank sync and advanced features
Pros
- Strong European focus with broad bank compatibility and GDPR-compliant data storage
- Automatic categorization that learns from user corrections and recognizes local merchants
- Free plan available for manual tracking, making it accessible to try without commitment
Cons
- Limited to European banks and currencies, not suitable for users outside Europe
- No investment tracking or portfolio management features mentioned
What is Talvo?
Key Features
- Bank sync with 2,500+ European banks via licensed PSD2 providers (read-only, credentials never stored)
- Auto-categorization of transactions with merchant recognition for European stores and services
- Smart rules that learn from corrections and apply retroactively
- IBAN-aware filtering to exclude transfers between own accounts from spending
- Spending view with monthly trends, category breakdowns, cash-flow view, and daily heatmap
- Money-flow diagram showing income sources → expenses → categories and savings
- Net worth tracking across all accounts (synced and manual) with live balances
- Merchant intelligence showing visit frequency, average spend, and monthly trends per merchant
Pricing Plans
Free TrialPricing checked Oct 6, 2026
| Plan | Price | Details |
|---|---|---|
| Starter | €0 / forever |
+1 more Show less
|
| Plus | €7.99 / mo (Yearly) or €15.99/mo (Monthly) |
|
Is Talvo worth the price?
Talvo's pricing is fair and generous, especially with a fully functional free tier.
The Plus plan at €7.99/month (yearly) is competitive for automated bank sync and categorization, undercutting many dedicated budgeting apps. Best for European users who want a unified dashboard without paying a premium.
How Talvo's pricing compares
At $7.99/mo, billing unit not specified, Talvo is mid-range of its 4 comparable direct competitors ($3.33 to $20.83/mo across the set).
Entry paid plan, monthly. Pricing checked Oct 6, 2026.
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Talvo FAQ
How does Talvo connect to my bank and is it safe?
Can I add accounts that aren't connected to a bank?
What happens if Talvo categorizes a transaction incorrectly?
Does Talvo support multiple currencies?
How does the budget rollover feature work?
Can I split a transaction between categories or people?
What is the money-flow diagram and how do I use it?
Is my data stored in the EU and GDPR compliant?
Source: talvo.eu