From chaos to clarity in minutes
Connect Your Banks
Securely link your accounts through Plaid. Checking, savings, credit cards, loans — all in one place.
Auto-Categorize
Transactions are automatically cleaned and categorized. No data entry — just review and refine.
Set Your Budget
Flexible envelope budgeting — budget everything or just what matters. Real rollover, no rigid rules.
Know What's Safe
Tovari calculates your real disposable cash — after bills, budgets, and reserves. One number, total confidence.
Budgeting that does the math for you
Your accounts, bills, and budget — automatically in sync. Every number is calculated on our servers, so your balances are always right down to the penny.
Connect your banks,
stop doing data entry
Link your bank once and your transactions flow in automatically. Balances stay up to date, duplicates are caught before they happen, and nothing slips through the cracks.
A register that feels
like a power tool
Edit transactions right in the list — no popups, no extra clicks. Search, filter, and sort however you like, and your preferences are remembered for each account.
Budget everything,
or budget selectively
Budget the categories that matter to you — or all of them. Leftover money rolls into next month, so you never lose what you didn't use. See what you've spent, what's left, and how it compares to your average.
Bills forecast your
balance forward
See what's coming before it hits. Tovari forecasts your balance based on upcoming bills, and even spots recurring charges you might have forgotten about — like that streaming service you never use.
See where your
money actually goes
Understand where your money goes — by category, by month, or by the places you spend most. Tap into any number to see the transactions behind it. Compare any time period to spot trends.
Your budget
in your pocket
A dedicated mobile experience that auto-switches on smaller screens. Dashboard, accounts, transactions, budget, and bills — all optimized for one-handed use.
Your data is protected. The math is exact.
Your data is independently encrypted with AES-256 — the same standard used by banks and the military. We rotate encryption keys automatically, so your information stays protected at all times.
Trusted Bank Connections
Your bank login goes through Plaid — the same secure service used by Venmo, Robinhood, and thousands of other apps. We never see or store your bank password.
AES-256 Encryption
All your data is independently encrypted using military-grade AES-256-bit encryption with automatically rotating keys. Your information is protected both when stored and when moving between your device and our servers.
Penny-Perfect Math
Every balance and projection is calculated on our servers to the exact penny — no rounding, no approximations. When Tovari says you have $2,847.32, that's exactly what you have.
Deep insights into every dollar
Track spending trends, compare income to expenses, and drill into any category or payee — with custom date ranges and period comparison.
Spending by Category
See exactly where your money goes with a visual breakdown. Donut chart, budget bars, and monthly averages — tap any category to see every transaction behind it.
Spending by Month
Track your spending trends over time. Compare month-to-month, spot seasonal patterns, and see which categories are driving changes.
Cash Flow
Income minus expenses — visualized clearly. See how much you're saving each month and where the money flows between your accounts.
Bills & Schedule
All your recurring bills in one place — with automatic detection of subscriptions from your bank activity. See what's coming, what's overdue, and your net monthly flow.
Built different from the start
See how Tovari stacks up against the budgeting apps you already know.
Free · Early Access
Common questions
Tovari connects to your bank through Plaid — the same secure service behind Venmo, Robinhood, and thousands of other apps. Your bank login goes directly to Plaid. We never see or store your password.
Safe to Spend is your real disposable cash — calculated automatically by subtracting upcoming bills, budget commitments, and reserves from your available balances. It's the one number that tells you what you can actually spend without missing a payment or going over budget.
Absolutely. All your data is independently encrypted using AES-256-bit encryption — the same military-grade standard used by banks — with automatically rotating keys. Your information is protected both when stored and in transit between your device and our servers.
No — Tovari uses flexible envelope budgeting. You can budget every category for full control, or just track the ones that matter most. Unbudgeted spending is still surfaced so nothing hides from you.
Early access is by invitation only — we begin sending invites in August 2026. It's free until October 1, 2026 (no credit card required). After that, continuing costs $11.99/month. We're opening spots in waves, so the sooner you request, the sooner you'll get in.
Tovari is $11.99/month. Early-access members are free until October 1, 2026, and we'll always let you know before any charge — we never bill you without you starting a paid subscription.
Yes. Tovari supports CSV, OFX, and QFX file imports with a guided pipeline — column mapping, duplicate detection, and reusable profiles so repeat imports from the same bank are one click.
Many budgeting apps calculate balances on your device, which can introduce tiny rounding errors that add up over time. Tovari does all the math on our servers to the exact penny — so when we say you have $2,847.32, that's exactly what you have. No approximations, ever.
Be the first to know
what's safe to spend
Join our early access program — free until October 1, then $11.99/month. Help shape the future of personal budgeting.