abacova Multi-currency accounts
Real, virtual, and IOU accounts with balances computed from a single source of truth per currency.
Features
A tour of everything abacova does: accounts, transactions, budgets, reports, and more.
abacova is a money tracker for people who want their numbers to be right. It keeps your books the way an accountant would — every movement has two sides, so balances always add up — and wraps that in screens you can use every day, on the web and on your phone.
Planned transactions
Schedule recurring payments and project your future balance.
Reports and budgets
Budgets by category, month-over-month comparisons, and Excel export.
Multi-tenant and private
Strict per-organization isolation. Your data never touches anyone else's.
Accounts that always add up
Every bank account, card and wallet is an account with its own currency, and every balance is worked out from the transactions in it. Moving money between your own accounts is recorded as a transfer: both sides are written at once and stay linked, so it never shows up as spending. Totals appear in the currency you choose, and when a figure cannot be converted, abacova says the total is partial instead of showing a wrong number.
Bring your history, then keep it current
Import years of transactions from a spreadsheet or another app's export. A preview shows exactly what will be created before anything is saved, and rows that are already there are skipped rather than duplicated. From then on, drop in your bank's own export files, or connect the bank directly through Open Banking on the top plan. New rows wait in a review queue until you confirm them, and reconciliation lets you check each account against a real statement.
Categories, tags and rules
Categories say what money was for; tags group transactions across categories — a trip, a renovation, a side project — and can be nested. Rules apply a category and tags automatically, whether a transaction was typed, imported, pulled from a bank or scanned from a receipt. abacova also studies how you have categorized things before and proposes new rules, and nothing is applied until you accept it.
Plan ahead
Set budgets per category and period, and watch planned against actual as the month goes on, with alerts when you overspend. Recurring items such as rent, salary or subscriptions become planned transactions that post on their date or wait for your confirmation, and a cash-flow forecast projects your balances forward and warns you when the runway gets short.
Reports and investments
Ready-made reports cover cash flow, spending by category and net worth, and a report builder answers the questions they don't. Save a report to run it again, or export it to Excel, PDF or PNG. The portfolio tracks shares, funds and other assets with automatically fetched prices, their valuation and your profit or loss.
AI that helps and never takes over
Ask the assistant a question in your own language — what did I spend on groceries in July? — and it answers from your real data. Scan receipts and invoices, or dictate a sentence such as "paid 40 at the supermarket", and abacova prepares the transaction for you to check. The assistant is read-only, and nothing an AI feature produces is saved without your confirmation. An organization can even bring its own AI provider and key.
On your phone
The native iPhone and Android app covers the everyday: accounts, transactions, transfers, debts, budgets, tags, search, receipt scanning, dictation and the assistant, protected by your phone's biometric lock. Dense screens such as reports and bank feeds open in the browser, and the app tells you so rather than squeezing them onto a small screen.
Shared, and always yours
Invite a partner, your household or a small team into an organization and everyone works on the same books. Money owed between people is tracked person by person until it is settled. An audit trail records who changed what. Every table exports to Excel, and a whole organization can be exported to a portable archive. No ads, no trackers, and your data is never sold.
