Tario Logo Tario
Offline-First • Privacy-Friendly • Zero Knowledge for Personal Finance
Tario App Logo

One app for travel, home & flatshare
and personal finance.

Tario helps you split shared costs fairly, organise household expenses clearly, and keep track of your own income and expenses in private.

Built with usability and privacy in mind: offline-first for everyday use, privacy-friendly for shared costs, and with a zero-knowledge architecture for personal finance where sensitive data deserves extra protection.

Travel expenses app Flatshare bills Household costs Personal finance Offline-First Privacy by Design

Three areas. One clear product.

Tario is more than a travel expense app. It is designed for three everyday situations: travelling together, living together, and managing your own finances privately.

Travel

Split travel costs fairly

Track shared expenses on trips with friends or family, split costs transparently, and quickly see who owes what.

  • • ideal for group trips, road trips and family holidays
  • • clear and fair settlement
  • • practical even without a permanent internet connection
Home & Flatshare

Keep household costs and shared cash clear

Organise shared living costs in a transparent way, whether you want to track a communal cash pool, household expenses, or each member’s contribution.

  • • suitable for households, couples and flatshares
  • • clear contributions per member
  • • useful for recurring everyday costs
Personal Finance

Track your own income and expenses privately

Keep an overview of your personal finances by recording your own income and expenses in one place, with extra protection for especially sensitive financial data.

  • • personal overview of income and expenses
  • • zero-knowledge architecture in this area
  • • built for privacy and control

Why Tario?

Tario combines ease of use with a clear privacy standard, making the app practical, understandable, and trustworthy in everyday life.

Offline-First

Tario is designed for use without a permanent internet connection. That makes it useful while travelling and in everyday situations where connectivity is limited.

Privacy-Friendly by Design

Privacy is not an afterthought. Tario is designed with a privacy-friendly approach to financial data and a deliberately careful architecture.

Clear for everyday use

Whether you travel together, live together or want to manage your own finances, Tario keeps these use cases in clearly separated areas for better usability.

Privacy

Especially sensitive data deserves extra protection

Tario is built with a strong focus on privacy. This matters even more in personal finance, where financial information is especially sensitive.

That is why Tario uses a zero-knowledge architecture for personal finance. This means your data is encrypted directly on your device. Not even we, the developers, can read your income or expenses. Your keys, your data.

Search intents Tario can match

Relevant for trips, shared living, and personal overview

travel expenses app
split expenses with friends
flatshare expense tracker
household cost sharing
shared home budget
personal finance overview

Frequently asked questions

Clear answers for people looking for a privacy-friendly app for travel expenses, flatshare costs, or personal finance.

What can I use Tario for? +

Tario covers three areas: travel expenses for shared trip costs, home & flatshare for shared living expenses, and personal finance for tracking your own income and expenses.

Does Tario work offline? +

Tario is built offline-first. Entries can be recorded without a permanent internet connection, which is especially useful while travelling. Synchronization happens automatically once you are back online.

What does zero knowledge mean for personal finance? +

In personal finance, Tario uses a zero-knowledge architecture. This means your data is encrypted directly on your device. Nobody except you – not even us developers – can read your income and expenses.

Is Tario only for trips? +

No. Travel is one important area, but Tario has also been specifically extended for home & flatshare and personal finance, to optimally manage household costs and private budgets.

How can I use Tario as an app without downloading it from an app store? +

Tario is a Progressive Web App (PWA) and can be added directly to your home screen as an app icon – without going through the Google Play Store or Apple App Store. Here’s how for the most common browsers:

📱 Android

  • Chrome: Open Tario → Tap the three dots (⋮) in the top right → "Add to Home screen".
  • Firefox: Open Tario → Tap the three dots (⋮) next to the URL → "More" → "Add to Home screen".
  • Edge: Open Tario → Tap the three dots (⋯) at the bottom → "Install app".

🍎 iOS (iPhone/iPad)

  • Safari: Open Tario → Tap the Share icon (↑) at the bottom center → Scroll down → "Add to Home Screen".
  • Chrome: Open Tario → Tap the three dots (⋮) in the top right → "Add to Home screen".

Note: The exact menu options may vary slightly depending on the browser version or device.

What are the advantages and disadvantages of using Tario as a PWA? +

Progressive Web Apps (PWAs) like Tario offer many advantages, but also some limitations compared to classic apps from the app store.

✅ Advantages:

  • No app store download required: You can install Tario directly via the browser – no need to go through Google Play or the Apple App Store.
  • Instant updates: PWAs update automatically as soon as you open the app. No manual updates needed.
  • Space-saving: PWAs use less storage space than native apps.
  • Offline functionality: Tario works without an internet connection (offline-first).
  • Cross-platform: A PWA works on all devices with a modern browser – whether Android, iOS, Windows, or macOS.
  • Quick access: Once added to your home screen, Tario starts like a native app – with just one tap.

❌ Disadvantages:

  • No biometric unlock (fingerprint/face ID): PWAs currently cannot use device-wide biometric APIs. You must unlock Tario with your device PIN or password if you have a lock screen enabled.
  • Data loss for guest accounts: If your browser clears its cache (e.g., during manual cleanup or after long inactivity), all local data will be lost if you use Tario as a guest without registration. Registered users can log in again to access their data.

Conclusion: Tario as a PWA offers you all the essential features – including synchronization and notifications. For maximum data security, we recommend registration.

Clearly organised.
Built for privacy.

Use Tario for travel expenses, household costs, and personal finance in one app that combines usability and privacy.

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