Your pay lands. Koverta splits it.

Add your pay and Koverta splits it into envelopes: bills, allowance, savings and what you can spend.

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One month in Koverta

From payday to savings, this is how a month looks in the app.

  1. Your pay lands

    Add your pay when it reaches your account. If you both work, add both.

  2. Koverta splits it

    Bills, allowance, savings and free spending each get their share, by the rule you pick.

  3. Pay by card, the expense adds itself

    On iPhone, Shortcuts sends the amount and merchant as soon as you pay with Wallet. On Android and desktop, adding one takes seconds.

  4. What is left goes to savings

    At the end of the month Koverta shows what is left, and one tap moves it to a savings goal.

A rule splits your pay for you

Pick a ready-made rule and Koverta shows the exact amounts for your pay. You can always change the percentages and envelopes, or make your own.

Split rule

The classic rule: half for must pay, 30% for everyday and free spending, 20% to savings.

  • 50%Bills and essentials€710
  • 30%Everyday and free spending€426
  • 20%Savings€284

Everything else a household budget needs

  • Pay by card, iPhone adds it

    The amount and merchant come from Wallet, and the merchant is remembered next time.

  • Siri and a widget

    Say an expense out loud and see what is left on your home screen.

  • Import a bank statement

    A CSV from online banking. The file is read on your device and never stored.

  • Together, each on your own phone

    One budget for both of you. Personal allowance and private debts stay yours.

  • Debts

    Who owes whom and how much is paid back.

  • Monthly report

    Where the money went, and one tip for next month.

Your numbers stay yours

A budget is personal. That is why the app only knows what you enter yourself.

  • The owner never sees your amounts

    The owner's dashboard shows only totals, never your amounts or notes.

  • No bank connection

    We never ask for access to your account or card. You import statements yourself, as CSV.

  • Export and delete whenever you want

    In settings you can download all your data or delete your account, no need to email support.

  • No ads, no tracking

    Only essential cookies. We never sell your data or share it with advertisers.

Free, every month

The free plan is enough for most households. Premium is for those who want more envelopes and a monthly report.

Free

€0, no card needed

  • Up to 3 custom envelopes, plus envelopes from a rule
  • Unlimited expenses, bills, debts and goals
  • Automatic entry on iPhone, Siri and statement import
  • Yearly overview, search and data export
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Koverta Premium

Turned on by request

  • Unlimited envelopes of your own (free: up to 3)
  • Monthly report: saved, overspent envelopes and a tip for next month
  • Irregular income: every payment splits itself by the rule

Payments are not available yet. Until they are, request Premium in the app and we turn it on at no charge.

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Frequently asked questions

How much does it cost?

The free plan has no time limit and needs no card. Premium (unlimited envelopes, monthly report, irregular income) is turned on by request for now, at no charge.

Does it work on Android?

Yes. The app runs in the browser on any phone and can be added to the home screen. Automatic entry of card payments, Siri and the widget are currently available only on iPhone.

Is our data safe?

Data and servers are in the EU (Frankfurt), the connection is always encrypted, and passwords are kept only as a secure hash. The app owner never sees your amounts.

Do I need to connect my bank?

No. There is no bank connection. You add expenses manually, through the iPhone automation, or by importing a CSV statement downloaded from online banking.

Can my partner see all my debts?

You both see shared expenses and shared debts. A debt you keep as private is visible only to you.

How does automatic entry on iPhone work?

In the Shortcuts app you create an automation for Wallet transactions. When you pay by card, the iPhone sends the amount and merchant, and Koverta adds it and confirms with a notification. Step by step instructions are in settings.

Which languages and currencies are supported?

Bosnian, Croatian, Serbian and English, with the currencies KM, euro, Serbian dinar, US dollar and Swiss franc.

Can I delete everything?

Yes. In settings you can download all your data as a JSON file and delete your account. If you are the only member, the whole household is deleted.

Start this month with a clear plan

Free plan, no card needed. In a minute you add your pay and see your envelopes.

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