Tavala: Personal Finance

Tavala is an expense tracker and budget planner that works fully offline. Add an expense in seconds, set monthly budgets, keep up with bills and subscriptions, and plan your way out of debt. No account is required and there are no ads. TRACK SPENDING • Quick capture: type "coffee 3.50" and Tavala fills in the amount, category and date • Expenses, income and transfers between wallets • Categories, notes, swipe to delete with undo • Multi-currency wallets with a main currency and the exchange rate shown on every conversion BUDGETS • Monthly budgets, in total or per category • Clear status at 75%, 90% and 100% • See what is left, 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 • 30, 60 and 90-day cash-flow forecast DEBTS AND GOALS • Savings goals with progress tracking • Money you have lent, tracked until it comes back • Debt payoff planner: snowball or avalanche, with an extra-payment what-if • Full amortization schedule per loan, dated rate changes, refinance and consolidation comparisons • Import a debt list or payment history from CSV REPORTS • Monthly summary and category breakdown • Spending trends and unusual-month insights • Export to CSV or PDF PRIVATE BY DESIGN • Works with no account: everything stays on your phone • Optional sign-in for sync across devices and shared spaces with family or a partner • 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 TOOLS • Six finance calculators: loan, compound interest, CAGR, savings goal, emergency fund and FIRE Dark mode and large text are supported. Optional bank sync: connect your bank through Plaid (where available) to import transactions automatically. Requires an account.