Remaining budget
$1,842
of $4,200 · Mar 2026
This month
Dining
$312↑
Groceries
$287
Transport
$198
Health
$143
Personal finance for Australians

stopwondering
whereitwent.
nowyouknow.

Connect your bank or import a CSV — Coyva categorises every dollar automatically and shows you exactly what's left. Real time, every time.

No credit cardFree to startCDR regulated
↓ Scroll to explore
Recent transactions
Woolworths
Today
−$84
Salary
22 Mar
+$3,200
Grill'd
21 Mar
−$22
Budget alert
You've exceeded your limit for
Health · $43 over
Savings rate
28.7%
↑ 3.1% vs last month
Auto-categorisationOpen Banking CDRNAB · CBA · ANZ · WestpacReal-time syncBudget alerts98% accuracyCSV importNo credit card requiredAuto-categorisationOpen Banking CDRNAB · CBA · ANZ · WestpacReal-time syncBudget alerts98% accuracyCSV importNo credit card required
/ 01
$2.4B
Tracked across users
Across all connected accounts
/ 02
98%
Categorisation accuracy
Trained on AU transactions
/ 03
70+
Australian institutions
Including all Big 4 banks
/ 04
<60s
To connect your bank
Via CDR open banking
Works with
N
NAB
C
CommBank
A
ANZ
W
Westpac
B
Bankwest
S
St.George
U
Up Bank
M
Macquarie
+ 62 more
/ What Coyva does
Everything you need to know your money.
/ 01
Instant, accurate, automatic
Auto-categorisation
Every transaction sorted the moment it lands. Groceries, dining, transport — labelled without lifting a finger. Powered by machine learning trained on millions of Australian transactions. No rules to set up, no categories to configure, ever.
→
/ 02
Know before it's too late
Budget alerts
Set monthly spending limits per category. The second you're close to breaching one, Coyva tells you — not at the end of the month when the damage is done. Right now, in real time, while you can still do something about it.
→
/ 03
Bank-grade security, read-only
Open Banking CDR
Connect via Australia's Consumer Data Right framework — the same government-regulated system used by major institutions. Read-only access means we can see your transactions but can never touch your money. Disconnect from the app at any time, instantly.
→
/ 04
Everything in one place
Complete financial picture
Income, expenses, savings rate, remaining budget, 6-month cashflow trends — all of it in one clean dashboard, updated automatically as transactions arrive. No spreadsheets. No manual entry. No end-of-month surprises.
→
/ Getting started
Up and running in 60 seconds.
/ 01
Create your account free
Sign up with your email. No credit card required. Coyva is free to start — connect one bank account and see everything clearly before you decide to upgrade.
~30 seconds
/ 02
Connect your bank securely
Authorise via Australia's Consumer Data Right framework. The same regulated system the big banks use. Read-only — we can see transactions but can never touch your money.
60 second authorisation
/ 03
See everything clearly
Every transaction lands labelled and counted against your budget. Groceries go to groceries. Dining goes to dining. No manual sorting, no spreadsheets, no surprises.
Instant, automatic, accurate
/ Pricing
Simple, honest pricing.
Free
$0forever
Get started and see what Coyva can do for free.
1 bank account
CSV import
3 months history
Auto-categorisation
Basic budgets
Most popular
Pro
$9/ month
Everything you need to truly know your finances.
Unlimited accounts
Unlimited history
Real-time sync
Budget alerts
Savings insights
Priority support
Family
$15/ month
Up to 5 members. One shared view, separate logins.
Everything in Pro
Up to 5 members
Shared dashboards
Family budget tracking
Dedicated support
/ What users say
Real people, real results.
4.9/5
200+ reviews
★★★★★
"I had no idea I was spending $400 a month on Uber Eats until Coyva showed me. Cancelled that same day."
Sarah M.
Nurse · Brisbane, QLD
Saved $280/mo
★★★★★
"Budget alerts changed my behaviour. I'd get a ping mid-month and cook at home instead. It genuinely works."
James K.
Software engineer · Sydney, NSW
Saves ~$150/mo
★★★★★
"Two minutes to set up. Connected NAB and instantly had 8 months of categorised transactions. Nothing else is this frictionless."
Priya T.
Marketing manager · Melbourne, VIC
4 hrs saved/month
/ Get started today
Finallyknow
yournumbers.

Join thousands of Australians who finally understand where their money goes. Free to start, no credit card required.

No credit card · Australian CDR regulated · Cancel anytime