HomeOverviewActivity
What's Left
$2,284.60$2,279.80USD
What counts here?
CoffeeFood and drink, today
-$4.80
Taxi, LisbonTransport, yesterday
-€18.00$19.51 at 1.084
GroceriesEveryday, Monday
-$43.20
Track your spending
in any currency,
with or without
a bank.
Add what you paid in a few seconds, in any of 155 currencies at the rate of that day, and see what is left for the month, alone or with the people you live with. Then ask Tavala about it in your own words. Offline-first, forever free to start, and no ads.
No account needed to start. iPhone, iPad, Android, Mac and the web.
Try it: type what you paid today, like coffee 4.80 or lunch 12.50 eur. Foreign amounts convert at example rates.
The Home screen: What's Left shows 2,284.60 dollars. Quick capture types coffee 4.80, then lunch 12.50 eur, then groceries 31.20; each posts as a row and What's Left drops. The lunch paid in euros shows its dollar value at an example rate. The capture field is yours from your first keystroke: type what you paid and press Enter, and it posts the same way.
Made for money that does not fit one bank
Most finance apps assume one country, one currency and a bank feed. Tavala starts from how people actually get paid and pay.
You earn in one currency and spend in another
Any of 155 currencies and 96 cryptocurrencies, and each entry keeps the rate from the day you paid. A taxi in Lisbon stays eighteen euros, and your total in dollars stays honest months later.
How multi-currency worksYou pay for most things in cash
Cash is a real wallet, not a note in the margin. Count it when you like, skip a few days, and add what you remember.
Tracking with no bank and no accountYou run the household budget
Share the Home space with your partner. Everyone adds from their own phone, and one budget shows what is left for all of you.
How shared spaces work- 155currencies
- 96cryptocurrencies
- 5kinds of device
- 0ads
- 0analytics SDKs
- 1database, in Ireland
How it works
Add what you spent
Type a sentence like coffee 4.80 and tap once. The amount, type and category are read for you, and the full form is one tap away.
See what is left
Home opens on one number, What's Left, with money in and money out under it and each budget counting down.
Plan the month
Bills and salary post themselves on schedule. The forecast shows how the month ends and what is safe to spend before pay day.
Ask Tavala about your money
Ask in your own words what you spent, what is left until payday or when a debt is paid off, and Tavala answers from your own entries. Ask it to log, move or set something, and it shows you the change before anything is saved.
The figures are your ledger's
Every amount is worked out on your device by the same arithmetic as the rest of Tavala. The AI model writes the sentence around it and never sees the figure.
Nothing changes without your tap
Expenses, transfers, budgets and bills arrive as a preview. Confirm saves them, and Undo takes them back for five minutes.
Off until you turn it on
It needs a free account and your consent, which says what is sent and to whom. One question a day is free, and Tavala Plus answers up to 150 a month.
The Ask Tavala sheet with two questions. Asked how much was spent on groceries last month, it answers 381.86 dollars in September across 14 entries. Asked to set the groceries budget to 400, it shows the new budget of 400 dollars beside the old 350 with Confirm and Not now.
What Tavala does
Questions answered from your ledger, and changes you confirm.
Also in every plan: monthly reports by category and trend, export as CSV or PDF or one JSON file of everything, and six offline calculators, for a loan, compound interest, growth rate, a savings goal, an emergency fund and FIRE.
Private by design
Where your data goes depends on the choices you make, and on nothing else.
Without an account
Your phone
Nothing leaves the device. No account, no server, no sign-up.
With an account
Your phoneServer in Ireland
Your entries sync both ways with a database hosted in Ireland, in the EU, so a second device and a backup exist.
With a bank connected
Your bankPlaidServer in Ireland
US and Canada only, and one way: Tavala reads transactions and balances, and can never move money.
With Ask Tavala on
Your phoneServer in IrelandAI model
Only when you ask: your question and the names it needs go to OpenAI, or Anthropic for a hard one, and words come back. Amounts and notes stay on your phone, and nothing is saved without your tap.
- No ads, no trackingNo advertising and no analytics SDK in the app. Crash reports carry no identity.
- Export everythingOne JSON file with all of your data, from Settings, at any time.
- Delete your account yourselfFrom Settings in the app, not through an email thread.
- Locked, not just hiddenApp lock, passkeys or an authenticator app, and a device check before a bank link, an export or a deletion.
Forever free, one price when you need more
The free app is complete for one person on one device. Plus changes five things.
Forever free
For one person on one device.
$0
No account needed to start. Sign in only when you want a backup or a second device.
- One device synced, once you sign in
- Two currencies per space you own
- Two private spaces of your own
- 30-day forecast and monthly reports
- Ask Tavala, one question a day
Add-on
Group pass+ $4.99 once
Share one space with up to six people for sixty days, without Plus.
Tavala Plus
For every device you own, every currency, and the people you share with.
$39.99 a year
or $6.99 a month
$6.99 a month
or $39.99 a year
One subscription per account. The people you share with pay nothing.
- Every device you own, synced
- All 155 currencies and 96 cryptocurrencies
- Unlimited spaces, shared with up to 6 people each
- 60 and 90 day forecast, any report range, every insight
- Ask Tavala, up to 150 questions a month
Add-on
Bank connection+ $39.99 a year
Per bank, on top of Plus, or $3.99 a month. United States and Canada, read-only, and charged only after the bank connects.
Free on both: budgets and bills, trips and projects, the debt payoff planner, the calculators, export, and joining any space shared with you. No trial, because the free plan is the trial.
How Tavala makes money
- Tavala Plus$39.99 a year
Or $6.99 a month. Every device synced, every currency, and spaces shared with up to six people.
- Group pass$4.99 once
One space open to six people for sixty days, with no subscription.
- Bank connection add-on$39.99 a year per bank
Or $3.99 a month, on top of Plus. United States and Canada, read-only, and charged only after the bank connects.
And nothing else. No ads, no analytics SDK, and your data is never sold or shared with advertisers.
Every device you own
One account carries your entries to every screen, each laid out for its size: compact on a phone, a sidebar on a Mac and in the browser. None of them needs an account to start.
Guides for your situation
Worked examples, free calculators and honest comparisons, each in plain words and dated.
- Budgeting for expatsSalary in one currency, rent in another, family in a third.
- Budgeting for digital nomadsPaid in one currency, spending in a new one every month.
- Budgeting apps for couplesThe honest list, by how you keep your money.
- Trip budgetsEvery trip in the currency you spend it in.
- Free money calculatorsDebt payoff, 50/30/20, net worth, trips. Nothing you type is sent.
- Compare budgeting appsTavala beside YNAB, Monarch and others, with our own limits.
- The Tavala blogGuides with worked numbers, edited by the founder.
Questions people ask first
- Is Tavala free?
- Yes, forever. The app is free on iPhone, iPad, Android, Mac and the web, and none of them needs an account to start. Tavala Plus adds sync on every device, every currency and the full planning tools. See the plans.
- Does Tavala need an internet connection?
- No. Every screen works without a connection. Changes are saved on the device and sync later if you have an account. See how offline-first works.
- What happens if I lose or replace my phone?
- Without an account, your entries exist only on that phone, so a lost phone means lost entries. A free account backs them up, and signing in on the new phone, iPhone or Android, moves them there. The free plan syncs one device at a time, and moving to a new one is free. See the help page.
- Does Tavala have an AI assistant?
- Yes, Ask Tavala. Ask it what you spent or what is left, or have it log expenses and set budgets, each as a preview you confirm. The figures are worked out from your ledger on your device, and the AI model never sees an amount from it. It needs a free account and your consent; one question a day is free and Tavala Plus answers up to 150 a month. See how Ask Tavala works.
- Can I connect my bank?
- In the United States and Canada, through Plaid with read-only access. It is an add-on for Tavala Plus, charged only after a bank connects. Everywhere else Tavala is a manual tracker with quick capture built for it. See how bank sync works.
- Can I share a budget with my partner?
- Yes. Share a space with a join code. The owner needs Tavala Plus or a Group pass, and joining is free. See how sharing works.
- Where is my data stored?
- On your device, until you sign in. With an account, in a database hosted in Ireland, in the EU. Read the privacy policy.
- How does Tavala make money?
- From Tavala Plus, the Group pass and the bank add-on, and nothing else. There are no ads and no analytics SDK, and your data is never sold or shared with advertisers. See the three prices.
- What happens to my data if Tavala shuts down?
- It stays on your device. The app keeps working without our servers, and Export in Settings gives you everything as a JSON file at any time, with or without an account. Read the terms.
Start with what you spent today.
There is no account to create and no card to enter. Pick your currency, add what you paid, and Home shows what is left.