Tovari Financial
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Personal finance, done properly

Know what's
safe to spend

One number, always current: what you can spend today without wrecking next week. Tovari watches your bills, budgets, and balances so you don't have to.

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14-day free trial · Cancel any time

The Tovari iPhone dashboard, showing the Safe to Spend number above the month's budget.

Built for people, not spreadsheets

Bank-connectedautomatic sync, no CSVs

Shared householdsone budget, two people

Cancel any time14-day free trial

The Dashboard

Your whole financial life, on one screen.

Safe to Spend, budget, bills, balance projection, and spending — together, current, and reconciled.

The Tovari web dashboard, combining Safe to Spend, the month's budget, upcoming bills, a balance projection chart and recent spending.
Budgeting

Budget once. Stop thinking about it.

Set your categories, and Tovari tracks what's spent against what's left — all month, automatically. Envelope planning, rollover, and goals included.

Budget by the month, or plan the whole year

3-month and 12-month averages per category

Auto-fill a whole row from scheduled bills

By month

The monthly budget view, tracking spent against remaining for each category.

By year

The annual budget planner, laying out every category across twelve months.
The accounts list, showing checking, savings, credit card and loan balances rolled into a net worth total.
Accounts

One clear view of every account

Checking, savings, credit cards, loans, and investments — connected, reconciled, and rolled into a net worth that's actually right.

Full transaction register with reconciliation

Choose which accounts count toward Safe to Spend

Duplicate detection between you and your bank

Bills & Schedule

Nothing due catches you off guard

Every recurring bill and scheduled payment, with what's coming before your next paycheck, already subtracted from what's safe to spend.

The bills and schedule view, listing every recurring payment with its due date and amount.
Powerful Reporting

Six ways to understand your money

Every report on web and mobile — no exporting, no pivot tables

The Cash Flow report, charting inflows and outflows against the closing balance.

Cash Flow

Inflows, outflows, and where the balance lands

The Category Spending report, ranking every category by amount spent.

Category Spending

Where your money goes, ranked and dated

The Monthly Summary report, comparing this month against the same month last year.

Monthly Summary

Month over month, with trend against last year

A Tovari report screen charting balance through the window — actual against projected.

Balance Projection

Actual and projected, so you see the dip coming

The Income vs. Expenses report, showing surplus or shortfall for the period.

Income vs. Expenses

Surplus or shortfall, and exactly where the gap came from

The Safe to Spend report, itemising every bill deducted from the available number.

Safe to Spend

The number, and every bill standing between you and it

Mobile

It's the functionality you love, coming to iOS and Android

The same Safe to Spend number, the same budget, the same reports — rebuilt for the phone in your pocket

Available on the App Store in September for both iOS and Android

Start your free trial now
Tovari on iPhone — the dashboard.
Tovari on iPhone — the budget.
Tovari on iPhone — the accounts list.
Tovari on iPhone — the transaction register.
Tovari on iPhone — the category spending report.

iPhone

On the App Store in September. In TestFlight beta now — iOS 16 or later.

Join the beta

Android

On Google Play in September. Join the waitlist for early access.

Pricing

One plan. Everything included.

Fundamentals — $7.99/mo or $54.99/yr. 14-day free trial, cancel any time.

See what's included
Our Story

“I didn't set out to build a budgeting app.”

Tovari started as one family's attempt to stop quietly losing its mind at the end of every month. It turned into the tool we now run our own household on.

Read the founder's story →