I started off using spreadsheets and offered my spreadsheets online. After trying to teach my mom how to use spreadsheets I realized an app would be more accessible for everyone.
Most budgeting apps today require you to link your bank accounts, handing over all your sensitive financial data to third-party servers. They track your spending habits, sell your data, and lock your own insights behind expensive paywalls.
Kova is designed to be different. It's a return to the basics of effective budgeting, powered by modern design and a strict commitment to your privacy.
Your financial data never leaves your device. We don't have servers, we don't connect to your bank, and we couldn't see your data even if we wanted to.
We believe financial tools shouldn't be a financial burden. Kova is a simple, one-time purchase. Pay once, own it forever.
Instead of just logging expenses, Kova focuses on actionable frameworks like the 50/30/20 rule and powerful debt payoff simulators (Avalanche & Snowball) so you actually make progress.
"I believe managing money shouldn’t be stressful or costly. Kova helps you budget quickly and easily so you can focus on what matters."