Unlike our comparisons with Copilot and Monarch, this one is between two apps you can actually use in Europe. Bilance is a solid European money tracker: connected to 2,800+ European banks, with automatic categorisation, an AI assistant and over 100,000 users. If you want a phone-first expense tracker, it's a fair pick.
The differences are about where you manage your money and how deep the tools go. Bilance is a mobile app — iPhone and Android, with no web version. Talvo is a full web app that works on every screen you own, and it goes further on the two things power users ask for: advanced budgeting (rollovers, mid-month rebalancing, pace projections) and analytics (a money-flow Sankey diagram, stackable filters, cash-flow forecasting).
Talvo vs Bilance at a glance
Bilance details checked August 2026 from bilanceapp.com and its App Store listing (iOS/Android; subscription required after a 7-day trial; yearly plans listed around €69.99). Prices and features may change.
The big one: a real web app
Money management has two modes. There's the quick glance — did that refund arrive? — which phones are perfect for. And there's the sit-down session: reviewing the month, recategorising a batch of transactions, planning next month's budgets, digging into why utilities exploded. For that second mode, a phone screen is a keyhole.
Bilance lives on your phone (iPhone and Android; there's no web version to log into from a computer). Talvo gives you both modes: iOS and Android apps for the quick glance, and a full web app for everything else — open it in any browser, on any machine, and you get big charts, tables you can actually scan, drag-free filtering and keyboard search. Your Sunday-morning money review deserves a monitor.
Budgeting: envelopes with a memory
Both apps let you set budgets per category and track them. Talvo's budgeting is built for the months that don't go to plan — which is most of them:
- Rollovers. Any category can carry unspent budget into the next month (and carry overspend as a deficit), with a configurable start month and starting amount. Clothes, travel and gifts stop looking like blowouts and start behaving like envelopes. How rollovers work →
- Move spending. Utilities €71 over, Travel €150 unused? Shift the €71 across in one dialog. Transactions don't change — only which budget carries them. The overspend clears, the plan survives.
- Pace, not just totals. Every budget shows whether you're on track for the day of the month, plus a projected month-end and a safe-to-spend-per-day amount. You hear about drift on day 12, not day 31.
- Suggestions from your own data. New budgets are pre-filled from your 3-month averages — one tap to accept, then tune.
Analytics: the Sankey difference
Bilance gives you clean monthly reports and category charts — genuinely useful. Talvo's Insights page goes a level deeper, and one chart carries most of that weight: the money-flow Sankey diagram. Income sources on the left, every expense category on the right, savings as its own stream — each band's width proportional to the euros flowing through it. A year of money becomes one readable picture.
Around it: totals for any date range (total in, total out, net saved, savings rate), stackable filters by account, category, tag and type, a cash-flow view with monthly/quarterly/yearly grouping and a forecast line, and ranked breakdowns by category, merchant, account or tag. Filter to Groceries, break down by merchant, and see exactly which supermarkets got your €2,045 this year.
The fair summary: both are European, both sync your banks, both categorise automatically. Choose Bilance if you want a phone-first tracker with an AI assistant. Choose Talvo if you want a full web app, budgets with rollovers and rebalancing, and analytics that show the whole flow of your money.
Trying both is cheap
Both apps offer a 7-day free trial of their paid plans. The difference is what happens afterwards: Bilance requires a subscription to keep using the app, while Talvo's free Starter plan keeps working — manual accounts, budgets (rollovers included) and full Insights. You can even skip the signup entirely and explore the live demo with sample data in your browser right now — something a mobile-only app can't offer.