Budgeting, without the dread.
See every account in one place, know what's safe to spend today, and close each month knowing exactly what happened — and what to do about it.
Free forever tier · No card required · Cancel any time
- Read-only bank access
- Never sold, never shared
- Free plan, forever
- Export everything, any time
How it works
Four things that make money feel manageable
Not thirty features fighting for attention. Four ideas, each one doing real work.
Know where you stand
Every account in one place, and one honest number
Checking, savings, credit cards, loans, investments, property — linked or added by hand. Tavera Money rolls them into your net worth and tracks it over time, so you can see the line move.
- Net worth, assets and liabilities charted over 1 month to 1 year
- Link a bank in a couple of taps, or keep everything manual — your call
- Internal transfers are detected and kept out of your spending
Plan without rigidity
A budget that bends instead of breaking
Most budgets fail the first time real life happens. Yours carries what you didn't spend into next month, shows whether you're on pace today rather than at the bitter end, and treats a missed month as a streak to rebuild — not a failure.
- Envelope rollover, per category, compounding what you actually saved
- A spending pace marker on every category with plain-English guidance
- Habit streaks with a 5% grace band, framed as a rebuild not a loss
Close the month with answers
The month-end recap nobody else does
Most apps show you a chart and leave. Tavera Money walks you through a proper close: where the money actually went, which categories went over and whether they keep going over, what you leaned on savings for, and what to do next month. If you came out ahead, it names the debt or goal to point the money at.
- Three ways to settle a shortfall — plus your own custom split — each previewed before you commit
- Rollover is capped at real cash, so envelopes can never carry money you do not have
- Repeat offenders are flagged; wins are counted too
Your data, your call
You are the customer, not the inventory
Tavera Money is paid for by subscriptions. That is the whole business model, and it is why we can say plainly that your data is never sold or shared. Your bank credentials never touch our servers, bank access is read-only, and you can walk out with everything at any time.
- Read-only bank access through Plaid — Tavera Money cannot move your money
- Export every transaction and your full balance history as CSV, on any plan
- Disconnect a bank and keep the history as manual accounts, or delete it
Made for how you actually live
Wherever you're starting from
Couples & households
One budget, both of you, everything shared — and it costs nothing extra on any plan.
Learn morePaying off debt
Snowball, avalanche or your own order, each projected honestly against paying minimums only.
Learn moreComparing to Monarch
An honest side-by-side, including the places Monarch is ahead of us.
Learn morePricing
Free does real work. Paid just adds your banks.
Every budgeting feature is on the free plan. Premium exists because bank connections cost us money per institution — nothing else is held back.
Paying yearly brings Premium to $5.83 a month. See the full comparison
Know someone who'd use this? Refer them.
Share your link from inside the app. When the friend you send it to pays for their household's first month of Premium, you get a month of Premium free — no limit on how many times.
What Tavera Money won't do
A budgeting app sees more about your life than almost anything else you use. That deserves a short list of things we've decided against — and intend to keep being held to.
Why we built this- No ads, anywhere, ever.
- No selling or sharing your data with third parties.
- No locking your data in — CSV export is on the free plan.
- No trial countdown. The free plan is genuinely free.
Questions
The things people ask first
Do I have to connect a bank account?
No. The free Basic plan is built entirely around manual accounts — you can add accounts, type or import transactions, and use every budgeting feature without ever linking a bank. Bank connections are a convenience, not a requirement.
Do you sell my financial data?
No. We do not sell or share your data with third parties, and we never will. Tavera Money is funded by subscriptions, not advertising, which means you are the customer rather than the product.
Can my partner use the same budget?
Yes, and it is free on every plan including Basic. Invite them by email and your accounts, transactions, budgets, goals and debts are shared. Budgets pool both of your spending against one limit, and net worth is combined.
What happens to my data if I cancel?
Your account stays open on the free Basic plan. You keep every transaction, budget and goal you have created. If your plan no longer covers the banks you had linked, those connections are disconnected but you choose whether to keep the accounts as manual ones with all their history intact.
Start with the free plan. Decide later.
Basic is free forever and does real budgeting — accounts, budgets, goals, debts, bills and the month-end recap. Add bank syncing whenever it earns its keep.
No card required · Your data is never sold · Export it any time