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Tovari
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Overview
Where each feature works
Glossary
Quick start
What Tovari does
Create your account
Add your first account
Connect a bank with Plaid
The budget interview
Reading your register
Categorizing spending
Your first envelope
Scheduling a bill
Understanding Safe to Spend
Features
Accounts
Bank connections
Bills
Budget
Categories
Dashboard
Data and privacy
Email verification
File import
Getting help
Getting set up
Help chat
Home Screen widgets
Household
Investments
Legal policies
Payees
Reports
Review Center
Safe to Spend
Settings
Signing in
Split transactions
Transactions
Two-factor authentication
What's New
What's New
2026.10.20.2
2026.10.20.1
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2026.10.12.2
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2026.08.20.1
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2026.08.09.1
API reference
Overview
Auth
Overview
Sign up a new user + organization
Log in with email + password
Sign in / sign up with a Google credential
Sign in / sign up with a Sign in with Apple credential
Start a password reset (emails a code)
Confirm a password reset with a code
Approve a support-requested MFA reset (single-use emailed token)
Mark the caller's onboarding as completed
Exchange a refresh token for fresh tokens
Accounts
Overview
List accounts
Create an account
Reorder accounts (drag reorder)
Get one account
Update / close / reopen an account
Close (soft-delete) an account
Permanently delete an account
One account's actual and projected daily balance with threshold facts
Market-value history for an investment account
Investment accounts whose tax treatment still needs an answer
Confirm, override or defer one account's tax treatment
Answer up to 50 accounts in one round trip
Record that the account-type prompt was actually rendered
Reconcile an account to a statement balance
Get the register View filter preference
Upsert the register View filter preference
Budget
Overview
Budget view for a month
Create a budget section
Update a budget section
Delete a budget section
Selectable categories for a category picker
Create a budget category
Update a budget category
Delete a budget category
Toggle a category as budgeted for a month
Upsert a monthly budgeted amount
Batch set budgeted envelopes for a month
Transactions
Overview
List transactions for one account or several (keyset paginated)
Create a transaction
Export the filtered register as an .xlsx workbook
Get the saved Transactions-screen view
Save the Transactions-screen view
List the split nudges the caller has answered
Record an answer to a split nudge
Update a transaction
Delete a transaction
Split a transaction across categories (create or replace its lines)
Remove a split, putting the transaction on one category
Dismiss a possible-duplicate pair (a permanent "not the same transaction" verdict)
Restore a dismissed possible-duplicate pair to the queue
Retire one surplus bank copy of a duplicated charge (bank-vs-bank pairs only)
Payees
Overview
List payees
Create a payee
Merge payees into one
Update a payee
Delete (deactivate) a payee
Apply the payee's saved default category to its existing transactions
Bills
Overview
List bill schedules
Create a bill schedule
Plaid-detected recurring charges without a matching bill
Dismiss a suggestion (permanent until restored)
Restore a dismissed suggestion — the only way one returns
Dashboard balance projection + upcoming bills
Outstanding scheduled occurrences for one or more accounts
Org-wide scheduled occurrences for ONE calendar month
Update a bill schedule
Delete a bill schedule
Post a scheduled occurrence into the register
Skip a scheduled occurrence (advance cursor only)
Mark an occurrence as already paid out of band (and link its payment if already posted)
Remove an occurrence's already-paid mark
Preview how ONE hypothetical change to one occurrence moves the projection
One bill's match decision log
Reports
Overview
Spending by category (?month= widget, or ?preset/start/end range)
Spending by payee (?month= widget, or ?preset/start/end range)
Spending by month over a range
Payee flyout for one bar segment of Spending by Month
Drill-down transactions for one payee within a range
Income vs expense over a month range
Per-month drill-down behind one Income vs Expense row
Net worth reconstructed per month over a range
Cash flow: inflow / outflow decomposition + projected balance line
Imports
Overview
Create a presigned S3 upload URL for an import file
List import sessions for an account
Get one import session (grouped staged rows)
Parse/process an uploaded file (may need CSV mapping)
Submit CSV column mapping
Update one staged transaction (confirm/skip/override/payee/category)
Bulk confirm/skip staged transactions
Commit an import session into the register
Cancel an import session
CSV Mapping Profiles
Overview
List saved CSV mapping profiles for an account
Create a CSV mapping profile
Update a CSV mapping profile
Delete a CSV mapping profile
Plaid
Overview
Create a Plaid Link token
Exchange a public token (create or attach accounts)
List linked Plaid items
Disconnect (unlink) a Plaid item
Start re-authentication (create a relink token)
Complete an update-mode Link session (reconcile, or a targeted attach)
Plaid webhook receiver (server-to-server; not browser-called)
Lookups
Overview
System reference data grouped by category
Categories
Overview
OTB category catalog + onboarding questionnaire
Adopt OTB categories for the org
Dashboard
Overview
Safe-to-spend disposable-cash figure
Latest non-transfer transactions across all accounts (KAN-485)
Savings goals for the client-local plan year
The caller's own dashboard preferences document
Save the dashboard preference keys this request carries
Notifications
Overview
One page of the caller's own notification feed
The unread badge (no notification rows)
Mark the caller's own notifications read
The caller's delivery preferences, fully resolved
Patch the delivery preferences (atomic)
Register (or refresh) one handset for push
Stop push to one handset
One-click unsubscribe landing (non-mutating redirect)
Turn bulk notification email off (RFC 8058 one-click)
Settings
Overview
The household planning window and cushion, with all three previews
Save the planning window and cushion
The caller's display-language state
Set the caller's display language
Whether the Spanish display language is enabled (signed-out read)
Policies
Overview
The active policy versions, with their full text
Contact
Overview
Marketing-site contact / early-access capture
Investments
Overview
The investment portfolio for a period: value, net invested, growth and the reconciliation
Current positions, consolidated across accounts and by account
Support
Overview
Ask the docs-grounded in-app help assistant one question
Org
Overview
Start deleting the account (household erasure for an admin; a deletion request for a member)
Reset household data — wipe the household's financial data and start over (admin only)
Invite a partner into the household (admin only)
Billing
Overview
Pay the overdue invoice with the card just saved
Switch between monthly and yearly billing at the end of the period, or keep the current interval
Widget
Overview
Mint or renew this device's iOS Home Screen widget key
Revoke one of the caller’s widget keys
The iOS Home Screen widget’s Safe to Spend summary
Register a Home Screen widget push token (iOS WidgetKit or Android FCM)
Tovari
Select theme
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Overview
Auth
Section titled “Auth”
Signup, login, SSO, password reset, token refresh (public)
Operations
Section titled “Operations”
POST
/auth/signup
POST
/auth/login
POST
/auth/google
POST
/auth/apple
POST
/auth/forgot-password
POST
/auth/confirm-password-reset
POST
/auth/mfa-reset/confirm
POST
/auth/onboarding/complete
POST
/auth/refresh