Sova: Budget & Split Expenses

Sova is a personal budget app and a shared-expense app in one. Your own money stays on your device; only the groups you share go to the cloud.

Two apps in one

Most budget apps can't split a dinner. Most bill-splitting apps have no idea what your balance is. Sova does both, so the numbers finally meet in one place — no spreadsheet in between.

See all your money at a glance

Accounts for cash, bank, cards and savings in any currency, converted into your base currency. The home screen shows your total balance, this month's income and expenses, and exactly what's safe to spend.

Split expenses with anyone

Create groups for trips, flatmates and events. Split equally, by exact amounts, by percentage or by shares. Sova tracks who owes whom and keeps one shared history everyone can see.

Settle up in the fewest payments

Four expenses split three ways leave eight little debts. Sova reduces them to two payments, tells you it did, and records each one as it is paid — so the balances actually reach zero.

Understand where it goes

Spending by category, cashflow over time, net worth, and a heatmap that shows which days cost you the most.

Budgets that keep you honest

Monthly budgets with optional rollover and a live safe-to-spend number, so you know what is really left before payday.

Reach every savings goal

Emergency fund, holiday, new car — set a target and Sova tells you the monthly amount that gets you there on time.

Never miss a bill

Add recurring bills and subscriptions once and Sova reminds you before each due date.

Private by design

Your personal ledger lives on your device. No bank logins, ever. Lock the app with a PIN or Face ID, and export a full backup or a CSV whenever you like.

Sova Pro

Free covers the whole personal side: unlimited accounts, transactions, budgets, savings goals, recurring bills and reports. Pro adds shared groups, JSON backup and CSV export. Monthly, 3-month and annual plans.

Light and dark, with tabular numbers that line up.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://sova.kodmap.co/en/privacy