Today
Priorities, due dates and quick task capture.
TOVETA · PRO ASSISTANT
Less chaos.
More direction.
Tasks, money, goals and plans — brought together in one assistant that helps you decide what matters next.
✓ Free stays useful✓ Pro adds deeper intelligence✓ AI actions require approval
Good morningReady for today?
Top priorityFinish assignmentDue today
Open tasks4
Saved$620
Goal
New phone62%
Brain Dump
Type everything. Toveta sorts the pieces.
Built for real life
One system, five parts.
Toveta connects the things you need to do with the things you're trying to achieve.
Planner
See dated tasks grouped into what is coming next.
Money
Track income, spending and savings goals.
Goals
Set targets, deadlines and visible progress.
Brain Dump
Turn messy thoughts into structured actions.
TOVETA PRO
Your assistant
Toveta PRO PREVIEW
● Saved locally
CONNECTED SEARCH
TODAY
Ready for today?
Everything important, in one place.
YOUR DAY
LIVEToday at a glance
TODAY'S PRIORITIES
TOP 3Focus on what matters
Ranked from urgency, priority and goal impact.
QUICK ADD
Add something fast
COMING UP
Today & next
Dated work approaching next.
PLAN MY DAY
A simple order for today
Start now, do next, move later, or push to tomorrow.
KEEP MOVING
Keep the bigger picture in view
A compact pulse from the parts of Toveta that matter beyond today's list.
GOALS
Goal progress
MONEY
Money watch
TOVETA ASSISTANT
LOCAL · PRIVATETalk to Toveta
Ask what matters, choose an action, and keep moving.
Toveta Public Beta understands natural requests, keeps short follow-up context, and prepares actions for your approval.
More from Today · insights, command centre, goal momentum and safeguards
01Your dataAccount data is separated by sign-in; local verified checkpoints stay available for recovery.
02You approve changesAI can propose actions, but Toveta does not silently apply Planner or Goal changes.
03Public betaSome features are still being tested. Export a backup before major changes or moving devices.
DAILY COMMAND CENTER
Your whole-picture brief
Radar, Planner, Goals, Money and Brain in one practical brief.
GOAL MOMENTUM
Move a goal forward
ACTION BRIEFING
ACTIONABLEAction briefing
Brain status
Your capture system at a glance.
INSIGHTS
What Toveta notices
All tasksOpen your full task list
Your tasks
Highest priority first.
PLANNER
Plan the week, not just the day.
Schedule, categorise, repeat and edit tasks without losing sight of what matters.
Unscheduled
Tasks without a due date. Give one a date when you are ready.
PORTFOLIO PLANNING
Give every dollar a job — then learn how investing fits.
See your monthly cash flow, set a spending plan, keep bills visible and jump straight back into your investment research.
LOCAL · PRIVATE
MONTHLY PLAN
NOT SETSet your spending ceiling
Choose a monthly spending limit. Toveta compares it with the expenses you record and shows what is left.
BUDGET COACH
LEARNINGKnow where this month is heading.
Toveta compares your spending pace with your plan and flags categories that need attention.
CATEGORY BUDGETS
Set limits where they matter.
Add optional monthly caps for individual spending categories.
PORTFOLIO PLANNING + RESEARCH
EDUCATION · TRACKINGUnderstand what you own — not just what it is worth.
Track holdings, separate the bull and bear case, define what would change your mind, and move each idea through a clear decision status. Toveta does not place trades or provide personalised financial advice.
PORTFOLIO PLAN
PLAN · DON’T TRADETurn research into a target mix.
Choose a risk style, set an educational target allocation and see how your next contribution could move the tracked portfolio toward that mix. This does not place trades or recommend specific securities.
Watchlist
Keep companies and ETFs you want to research in one place.
Holdings tracker
Enter your own position and a manual current price to estimate value and gain/loss.
Value = quantity × current price. Gain/loss = value − (quantity × average cost).
Portfolio allocation + diversification check
See what dominates your tracked portfolio and get simple educational concentration warnings.
RESEARCH FRAMEWORK
Build a thesis, not a hunch
1 · Business qualityHow does it make money or what does the fund own? What looks durable?
2 · GrowthWhat could drive future growth, and what could slow it down?
3 · ValuationWhat would you compare before deciding whether the current price looks reasonable?
4 · RisksWhat could go wrong, and could you tolerate a large decline?
5 · Dividends / incomeDoes income matter here, and is it sustainable if relevant?
6 · Personal thesisWrite why you are interested.
7 · Bull vs bearWrite a distinct upside case and downside case rather than repeating the same thesis.
8 · Change-my-mind ruleDefine the specific evidence that would make you rethink the idea.
Important: This is an educational and manual tracking tool. Prices are entered by you and may be outdated. Toveta does not connect to a brokerage, place orders, or tell you what you personally should buy or sell.
QUICK MONEY ENTRY
EXPENSERecord money in seconds
Choose what happened, enter the amount, and Toveta updates your cash flow and budget immediately.
Add upcoming bill
Keep rent, subscriptions and other bills visible before they hit.
MONEY HABIT
Keep the picture honest
Record income when it arrives and expenses when you spend. Your monthly budget, cash flow and savings rate update from these entries.
IncomeAdd money coming in
ExpenseAdd money going out
Recent activity
Newest first. Edit mistakes or delete test entries without losing the rest of your Money history.
Upcoming bills
What needs money next.
Spending this month
See which categories are taking the most and how they affect your plan.
Create savings goal
Track progress toward something meaningful.
Privacy: Money and investing tracker data stay in your local Toveta data and are included in your existing backup system. Toveta does not connect to your bank or brokerage and cannot place trades.
GOALS + PLANNER
Turn ambitions into progress.
Create meaningful goals, turn milestones into Planner tasks, and keep progress synced automatically.
Savings goals stay in Money. This Goals area is for school, work, health, personal projects and other life targets.
TOVETA PRO
FREE PLAN
One review across your whole Toveta.
Pro Intelligence connects Planner, Goals, Money, Brain and Radar into one approval-first command layer that spots what needs attention and recommends the next move.
PUBLIC BETA · PLAN CLARITY
NZ$10 / MONTHFree stays useful. Pro adds deeper intelligence.
Compare Free and Pro before choosing a subscription.
FreePlanner, Goals, Brain, Money basics, search, backups and core daily organisation.
Pro previewRadar, deeper AI reviews, approval-based action proposals, Visuals and advanced intelligence experiments.
Toveta Pro is NZ$10 per month. You will review the payment details on Stripe before confirming.
MEMBERSHIP
Your plan
The app can now distinguish Free and Pro access while preserving all existing local data.
Preview mode is only for testing the Pro foundation. It does not charge money and will be removed or secured before paid launch.
UPGRADE FLOW
STRIPE CHECKOUTBilling-ready structure
Upgrade using secure Stripe Checkout.
✓ Free/Pro state
✓ Feature gates
✓ Upgrade entry points
○ Accounts & login
✓ Stripe checkout connection
◐ Dev-token server checks
CROSS-AREA + VISUAL INTELLIGENCE
LOCAL SIGNALS🔭 Toveta Radar
Toveta now connects Planner, Goals, Money and Brain, spots overlapping commitments, and prevents repeated AI actions from quietly creating duplicates.
AI Action HistoryApproved and rejected plans stay visible here.
AI ACTION CENTER
LOCAL · PRIVATE⚡ Intelligence Review
Structured Toveta reasoning plus a live Cloudflare Workers AI briefing — with the local engine kept as a fallback.
INTERACTIVE AI
APPROVAL ONLY💬 Ask Toveta
Ask follow-up questions about your review. Toveta can suggest a Planner task, but nothing changes until you approve it.
Toveta keeps a local reasoning fallback and uses approval-only actions. It never completes tasks, changes budgets, or makes investment decisions for you without your approval.
VISUALS GALLERY
GPT IMAGE · BETA🎨 Turn goals and ideas into visuals
Create a visual from a Goal, Brain note, or your own prompt. Images are generated securely through your account Worker without exposing your API key.
Signed-in Pro preview required. Beta generates one image at a time, with up to 6 successful generations per day.
✦Your next visual appears hereChoose a Goal or Brain note for instant context, or write your own prompt.
Recent visualsYour generated visuals now stay in a real gallery with archive and delete controls.
Toveta saves generated images permanently on this device using browser storage. If the optional VISUALS R2 bucket is connected to the account Worker, new visuals are saved to your secure cloud gallery and can follow your signed-in account across devices.
ASSISTANT EXPERIENCE
PLAN MODE✨ Pro Assistant Studio
Choose what you want Toveta to think about, ask naturally, and review a structured next move before anything changes.
SECURE AI PIPELINE
BACKEND OFFLINE🧠 Pro AI Lab
Connect a private Cloudflare backend, send the same minimal context to a real model, and receive a structured proposal. Nothing is applied until you approve it.
1Context
Toveta builds a minimal snapshot of open tasks, goals, bills and Brain notes.
2Reason
A separate Cloudflare Worker sends the snapshot to OpenAI using an encrypted server-side secret.
3Propose
The model returns structured suggestions rather than silently changing your data.
4Approve
You choose whether Toveta applies the proposed action.
Secure backend connectionThe backend URL can be saved locally. The temporary developer token is kept in session storage only and is never included in the ZIP.
Not connected yet.
Ask Pro above or run a fallback here to test the approval architecture.
Real AI requests go through the separate Cloudflare backend included with this build. The OpenAI key belongs in a Cloudflare Secret only. During private testing, the backend also requires a temporary developer token before it will spend API credit.
PRO FEATURE MAP
What Pro will unlock
These cards are wired to the new feature-gating system.
🧠PRO
Real AI reasoning
Use a hosted AI model to understand richer requests and reason across Toveta context.
✨PRO
Smart plan proposals
Generate schedule changes and task plans, then approve them before Toveta acts.
📊PRO
Advanced insights
Deeper patterns across goals, workload and money with explanations you can question.
🎓PRO
Learning paths
Interactive finance, investing and skill education with progress tracking.
MONTHLY SUBSCRIPTION
Toveta Pro
Upgrade securely through Stripe. Cancel according to your subscription terms.
NZ$10/ monthRecurring monthly subscription · Secure Stripe Checkout
🧠
SMARTER BRAIN
Dump it. Connect it. Move forward.
Brain now checks your existing Toveta before it creates anything — spotting related goals, possible duplicates, clearer dates and useful context.
Brain inbox
One thought per line. Dates, urgency and categories are detected automatically.
Context review
Review destination, suggested goal connections and duplicate warnings before anything is saved.
Nothing waiting to organise.
Saved notes
Ideas and reminders that do not need to become tasks.
TOVETA PRO
The intelligence layer.
Free Toveta keeps the core system. Pro is being designed for deeper reasoning, richer guidance and more powerful connected workflows.
Real AI assistant
Natural conversations that reason across your tasks, goals, money and Brain context.
Adaptive planning
Turn messy days into proposed plans, with changes shown before anything is applied.
Deeper insights
Advanced patterns, progress coaching and financial education built around your own system.
Core rule: AI advises → you approve → Toveta acts.
Why Toveta
Useful beyond the trend cycle.
People will always have limited time, competing priorities, money decisions and long-term goals. Toveta is being built around those durable problems — with AI added where it genuinely removes work.