Tavala: Budget Planner

Tavala is a budget planner and expense tracker that works fully offline, in any of 155 currencies and 96 cryptocurrencies. Add an expense in seconds, set monthly budgets, keep up with bills and subscriptions, plan your way out of debt with the snowball or avalanche method, follow your net worth, and budget a trip or a project in the currency you spend it in. Share a space with the people you live with. Ask Tavala, an AI assistant that is off until you turn it on, answers questions about your money without the model ever seeing an amount. No account is required and there are no ads. Tavala is free; Tavala Plus adds every device, every currency and sharing. Bank sync is an optional add-on for banks in the United States and Canada. TRACK SPENDING • Quick capture: type "coffee 3.50" and Tavala fills in the amount, category and date • Expenses, income and transfers between wallets • Wallets in any currency, with the exchange rate of the day kept on every entry BUDGETS • Monthly budgets, in total or per category • Clear status at 75%, 90% and 100% • See what is left to spend, not only what was spent BILLS AND SUBSCRIPTIONS • Recurring rules for rent, subscriptions and salary, posted automatically • Reminders for upcoming bills • Safe-to-spend: what remains after the bills due before your next income DEBTS AND GOALS • Debt payoff planner: snowball or avalanche, with your debt-free date • Savings goals with progress tracking • Money you have lent, tracked until it comes back NET WORTH • Everything you own minus everything you owe, at today's rate, on the Money tab • Wallets, savings, debts and crypto in their own currencies TRIPS AND PROJECTS • Tag spending to a trip, a renovation or a move and see what it cost, in its own currency SHARE A SPACE • Budget together with your partner, family or flatmates in one shared space • Everyone adds expenses; everyone sees the same budgets and what is left • Spaces are invite-only; nothing is public ASK TAVALA (OPTIONAL AI) • Ask what you spent or what is left in your own words, and get the figures from your own ledger • Off until you turn it on; amounts and notes stay on your device REPORTS • Monthly summary and category breakdown • Spending trends and unusual-month insights (every finding with Plus) PRIVATE BY DESIGN • Works with no account: everything stays on your phone • App lock with fingerprint or face unlock • Export all your data as JSON, and delete your account from Settings at any time • No ads, no trackers, and your data is never sold ON PHONES, TABLETS AND CHROMEBOOKS • Layouts made for tablets and wide screens, with a sidebar • The same budget on the web at tavala.io when you sign in FREE AND TAVALA PLUS • Free with no account: everything stays on this phone, with no backup • Tavala Plus: every device, every currency, spaces shared with up to 6 people, and the planner and reports in full • Bank sync, an add-on to Plus: connect a bank in the United States or Canada through Plaid to import transactions automatically In English, German, Spanish, French, Italian, Japanese and Portuguese.

First release of Tavala - Personal Finance. • In English, German, Spanish, French, Italian, Japanese and Portuguese. • Add expenses in seconds. Works offline, no account needed. • Monthly budgets, in total or per category. • Bills with reminders, safe-to-spend and a cash-flow forecast. • Debt payoff planner with amortization schedules. • Free account: backup and sync on one device. Plus: every device, shared spaces. • App lock, data export, account deletion. No ads, no trackers.