Talvo

What is Talvo?

Talvo is a European money tracker and budgeting app that connects to over 2,500 banks via PSD2, automatically categorises every transaction, and gives you a single, quiet dashboard for your entire financial life. Built in Europe and GDPR native, it keeps your banking data on EU soil instead of shipping it across the Atlantic. Instead of juggling seven banking apps, you get one calm view of your spending, budgets, and net worth — with the bookkeeping handled before you even open the app.

Who it's for

• The busy professional — wants to know where their money went without manually tagging every coffee and grocery run.
• The budget-conscious spender — needs a gentle coach that projects month-end outcomes and tells them how much they can safely spend per day.
• The privacy-minded European — prefers an EU-hosted, GDPR-native service over US-based alternatives that handle their financial data differently.

Key features

Auto-categorised transactions

Talvo recognises European merchants — from Albert Heijn to your local pharmacy — and sorts every transaction instantly. If it guesses wrong, you fix it once and it remembers forever. Smart rules learn from every correction, and IBAN-aware logic ensures internal transfers never count as spending.

Spending insights

Monthly trends, category breakdowns, and a this-month-vs-last view tell you in three seconds whether you're ahead or behind. Biggest movers highlight which categories jumped, a cash-flow view shows income, expenses, and net savings at a glance, and a daily heatmap spots expensive days before they become habits.

Budget that coaches

Talvo suggests budgets from your own 3-month averages — one tap and you're set. It tracks pace throughout the month, shows a projected month-end figure, and gives you a "safe to spend per day" number. Leftovers roll over to next month, you can rebalance between categories mid-month, and one-off transactions can be excluded entirely.

Merchant intelligence

Tap any transaction and see the story behind the merchant — how often you've visited, what you typically spend, and patterns you might otherwise miss. It's context that turns raw numbers into understanding.

What stands out

Talvo does the bookkeeping so you can do the living.

That's the core philosophy: the app quietly handles the tedious work of categorising, tracking, and projecting, so you never have to open a spreadsheet again. The budget coaching is genuinely different — it doesn't nag, it informs, with plain-language projections like "you'd land €140 under budget." And the EU-hosted, GDPR-native approach means your financial data stays where you are, not in a US data centre.