Tovari Financial
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Personal finance, done properly

Know what's
safe to spend

Tovari is a budgeting app that tells your household what you can spend today without wrecking next week. It watches your bills, budgets and balances so you don't have to.

Get Started See how it works →

14-day free trial · Card required · Cancel any time

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

Built for people, not spreadsheets

Built and run by one household of ten.

Our friends and family

run their month on Tovari

Bank-connectedautomatic sync, no CSVs

Shared householdsone budget, up to five people

Cancel any time14-day trial · card required

The Dashboard

Your whole financial life, on one screen.

Safe to Spend, your budget, bills, the balance projection and your spending, kept 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 once. Tovari tracks what's spent against what's left for the whole month, with envelopes, rollover and goals included.

Budget by the month, or plan the whole year

3-month and 12-month averages per category

Fill a whole month in one step, from last month, your average or what's scheduled

Spending sorted into categories as it arrives, and anything Tovari can't place is left for you

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.

Every account

The accounts list, showing checking, savings, investment, credit card and loan balances rolled into a net worth total.

Every transaction

The Transactions screen, listing every account in one register with upcoming bills above today and recent transactions below.
Accounts

One clear view of every account

Checking, savings, credit cards, loans and investments, all connected and reconciled, so your net worth is actually right. Tovari checks each balance against your bank's latest figure and tells you when they differ.

Every account in one list, with search across all of them

Open any account to see its balance 30 days ahead

Full transaction register with reconciliation

Choose which accounts count toward Safe to Spend

Duplicates and transfers flagged for you to confirm, never guessed

Bills & Schedule New: Cash Flow

Nothing due catches you off guard

Every bill due before your next paychecks is already subtracted from what's safe to spend. Switch to Cash Flow to see your balance after each bill, months ahead, and change any single payment you know will be different.

Your running balance after every bill, months out

Change one future payment, and see your lowest balance before you save it

When a payment arrives from your bank, Tovari links it to the bill, and asks first when it isn't sure

An alert before your balance runs short ahead of payday

Skip one payment or pause a bill, and the projection adjusts

See what shipped recently in the changelog →

Cash Flow

The Cash Flow view of Bills and Schedule, charting the projected balance over the next three months above every upcoming bill and the balance after it.

Schedule

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

See where your money went, and where it's going

Spending by category, payee and month, income against expenses, net worth, cash flow and Safe to Spend. They're all on the web, most are in the app too, and you never have to export anything.

The Cash Flow report, with money in, money out and the balance projection ahead.

Cash Flow

Money in, money out, and where your balance is headed.

The Spending by Category report, ranking every category by what was spent against its budget.

Spending by Category

Where your money goes, ranked and dated.

The Spending by Month report, comparing spending month by month across the range.

Spending by Month

Month by month, with the trend across the range.

The Spending by Payee report, ranking the payees you pay most, colored by category.

Spending by Payee

Who you pay most, and every payment behind it.

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, showing each account's balance and every bill due before the number.

Safe to Spend

The number, and every bill standing between you and it.

Early adopters

Feedback from our early adopters

The first households to run their month on Tovari, in their own words.

Before Tovari, I kept a notebook in my nightstand that I pulled out every pay day and re-wrote the next 3 months from scratch using a pencil and calculator. When something changed, I had to rewrite the entire list. Now Tovari does it for me!
Family of founderMiranda · Texas
I've used these apps before. I don't use the budgeting feature, but I like to understand where my money is going and if I can afford something. I connected my account and Tovari found all of my bills for me. It was a breeze to set up.
Family of founderErik · Tennessee
I have ADHD and sometimes forget to pay my bills. I would open my bank account and see I had money to spend, and I would! Now that I have Tovari, it tells me when a bill is due AND what I can spend.
Early adopterAnonymous · Texas
Mobile

Tovari for iPhone and Android

Your Safe to Spend number, budget, accounts and reports, built for your phone, with Home Screen widgets on iPhone.

See everything the mobile app does →

Join the TestFlight beta Get it on Google Play

The iPhone app is in public beta on TestFlight now and arrives on the App Store in October.

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.
Pricing

One plan. Everything included.

Fundamentals is $5.99/mo or $44.99/yr. 14-day free trial, card required, 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 Jason Ewing's story →