Personal Finance App

Know where
you stand.

Your money. Your rules. No account, no cloud, no subscription.

50/30/20 Method
100% Private
Works Offline
No Account Needed
Android APK
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No signup required • Takes 30 seconds

50/30/20
Built-in Method
Early Access
Free for testers · $4.99 at launch
100%
Private & Offline
Budget by Victor app
Coming Soon
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Everything you need

Built for real life,
from spreadsheets.

01
Budget Tracking

See exactly where every dollar goes

The 50/30/20 method built right in — automatically split your income into Needs, Wants, and Savings. Watch your spending in real time with live progress bars.

  • Instant category breakdowns
  • Month-over-month comparison
  • On-track status at a glance
April 2026 On track
$2,139
Remaining this month
Needs$1,660 / $2,400
Wants$416 / $1,440
Savings & Repayment$585 / $960
02
Smart Insights

Your money, explained back to you

Kova surfaces patterns in your spending so you don't have to dig. Know when you're overspending, where you're crushing it, and what to do next.

  • Spending trend alerts
  • Category over-budget warnings
  • Savings rate tracking
🎯
Savings rate this month
You're saving more than 20% of income — keep it up.
+22.6% saved
⚠️
Dining Out is trending up
You've spent 18% more on dining vs last month.
$94 over pace
📈
Best month this year
April is your lowest spend month in 2026 so far.
-$312 vs average
03
Emergency Fund Tracker

Build your safety net, one month at a time

Set a target, track your contributions, and watch your emergency fund grow. Kova shows you exactly how many months of expenses you're covered for.

  • Custom savings target
  • Months-of-coverage metric
  • Contribution history
Emergency Fund
$4,200
Goal: $7,500 · 3 months of expenses
56% of goal reached
1.7
Months covered
$400
Added this month
8 mo
To reach goal
04
Debt Payoff Strategy

A clear path out of debt

Track every debt in one place and watch your balances fall. Kova keeps the big picture visible so you stay motivated and on strategy.

  • Track multiple debts
  • Projected payoff timeline
  • Visual balance progress
Total Debt
$8,450
↓ $1,240 paid off this year · On track for Dec 2027
Student Loan
$5,800
Credit Card
$1,950
Car Loan
$700