Log every transaction, plan your budgets, and understand your net worth without spreadsheets.
AI you control
Automate the tedious parts and understand your money faster, with AI that respects your privacy.
Your model. Your data. No training on it.
Stop typing every expense. Take a photo of a receipt or drop in a PDF and AI reads the amount, date, merchant and taxes, then prepares a draft transaction for you to review and confirm.
abacova doesn't lock you into a single AI provider. Add your own API key and pick the model you prefer: you choose the provider, control the spend, and your data is never used to train third-party models.
As you record or import movements, AI suggests the most likely category from the merchant and description. Accept with a click or adjust it, and the system learns from your corrections.
Talk to your finances in plain language. Ask about spending, trends or balances and get clear answers backed by the real figures in your account, with no manual reports or filters to build.
The MCP connector lets assistants like Claude or ChatGPT query your finances securely and with your permission. Generate a token, connect it, and ask about your money from the AI tool you already use.
Get periodic AI-written recaps that surface what's relevant: where you spent the most, what changed versus the previous period, and what's worth paying attention to, without combing through table after table.
When you don't have time to type, just say it. Record a voice note like "ate out, twenty euros in cash" and AI transcribes it, interprets it, and turns it into a draft transaction ready to confirm.
Real, virtual, and IOU accounts with balances computed from a single source of truth per currency.
Schedule recurring payments and project your future balance.
Budgets by category, month-over-month comparisons, and Excel export.
Strict per-organization isolation. Your data never touches anyone else's.
Comparison
Against the best-known personal finance apps.
| abacova | A spreadsheet | A typical app | |
|---|---|---|---|
Receipt scanningCapture expenses from a photo or PDF: AI extracts the amount, date and merchant and creates a draft to confirm. | Available | Not available | Partial |
Bring your own AI modelConnect your own AI key and pick the provider. You control the cost and your data isn't used to train someone else's models. | Available | Not available | Not available |
Conversational assistantAsk about your money in plain language and get answers backed by the real figures in your account, with no manual reports. | Available | Not available | Available |
Connect to Claude & ChatGPT (MCP)Connect your finances, with your permission, to assistants like Claude or ChatGPT through the MCP standard. | Available | Not available | Partial |
Adaptive auto-categorizationRules that adapt to the way you categorize and classify movements automatically as they learn from your adjustments. | Available | Not available | Available |
AI recapsPeriodic AI-written summaries that highlight what's relevant in your activity and what changed versus the previous period. | Available | Not available | Partial |
Insights vs. your baselineCompares your current spending against your own history to flag deviations. Coming soon to abacova. | Soon | Not available | Available |
Subscription detectionIdentifies recurring payments and subscriptions so no charge slips by. Coming soon to abacova. | Soon | Not available | Partial |
Scenarios & coachingSimulate financial scenarios and get guidance to make better decisions. Coming soon to abacova. | Soon | Not available | Partial |
Multi-currency for teamsWork across currencies and share finances within an organization, with per-team isolation. | Available | Partial | Not available |
Data ownershipExport and import all your data whenever you want. It's yours, and you can take it with you, no strings attached. | Available | Available | Partial |
Automatic bank connectionImport transactions straight from your bank. In abacova this is available on the Pro plan; many apps include it in their standard tier. | Partial | Not available | Available |
Compared against general categories, not specific products. Any given app's features change over time.
Every plan includes multi-currency, Excel export, and cross-device sync. Quotas scale with you.
Personal tracking with strict caps.
€0.00
Always free
Small team tracking with notifications and scheduled rates.
€3.99/month
Full insights — portfolio, budgets, reporting, weekly digest.
€6.99/month
Everything in Value plus priority queue, custom types, audit export.
€11.99/month
Your data
No small print — this is what you can verify for yourself today.
Your accounts, transactions and budgets in Excel with one click. No lock-in, no tricks to keep you here.
Connect your own provider and account. Your financial data goes to a model you choose, not one we chose for you.
This site loads no third-party scripts, and the fonts are served from our own domain. Your data is not the product.
abacova