Kova

Your money.
Your rules.

A simple system for spending with intention, paying off debt, and building real financial habits.

✦
Why budget?

Most people have no idea where their money goes.

Budgeting isn't about restriction. It's about intention. When you tell your money where to go, you stop wondering where it went.

You don't need to track every coffee on day one. Start with the big stuff. A rough budget you actually use beats a perfect one you abandon.

The 50/30/20 rule

A proven framework used by financial advisors worldwide.

50%
Needs
Rent, groceries, utilities, transport
30%
Wants
Dining, entertainment, subscriptions
20%
Savings and Debt Repayment
Investments, emergency fund, debt payoff
⚠️
The real cost of debt

Minimum payments are designed to keep you paying forever.

$3,000 credit card at 19.99% — minimum only
11+ years to pay off
Over $1,500 paid in interest alone
Add just $50 extra per month
Under 3 years
The difference can be significant
Step 1 of 2

Choose your budget style

Pick a preset or set your own. You can always adjust later.

50/30/20
Needs / Wants / Savings
✓
70/20/10
Higher fixed costs
✓
Custom
Set my own percentages
✓
Step 2 of 2

Add your recurring bills

Rent, subscriptions, phone — add them once and they count every month.

March 2026
MARCH 2026
On track
$0
remaining this month
Spent
$0
Saved
$0
Income
$0
Categories
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No transactions yet
Recent
—
No transactions yet
Budget Split
Your spending breakdown
Budget style
How it works
Your income is split into three buckets. Each transaction is categorized automatically.

Needs — rent, groceries, utilities, transport, health
Wants — dining out, entertainment, shopping
Savings — investments, debt payoff, emergency fund
Add Transaction
Log income or expense
$
Needs
Wants
Savings & Debt
Debt Payoff
Track your payoff plan
Total debt remaining
0% paid off
$0
across 0 debts
$0 paid off
$0 original
Year in Review
2026 summary
Monthly spending
Spending by category
Fixed Costs
Auto-applied every month
Fixed costs are recurring expenses like rent and subscriptions. Add them once and they count toward your budget automatically every month.
Total fixed per month $0
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No fixed costs yet
Add Fixed Cost
Transaction History
All transactions
📋
No transactions yet