Your bank login stays yours
No bank connection, no bank password. Your financial records are encrypted before they are stored. You can export or delete your account.
A calmer place for your money
Budgeting that never asks for your bank login.
Your bills, everyday spending and savings in one clear picture. Enter your figures or import a CSV, and see what is left until payday.
Find your calm · start free14 days of Plus. No card. No automatic trial charge.
MONEY COVE · SAMPLE FIGURES
Your money, in view
Safe to spend until payday
£428.50
Next payday: 25 October · bills reserved
Food shop
£120 of £200
Travel
£48 of £90
Everyday
£63 of £150
Illustrative dashboard mock-up. No customer data.
Know what is left until payday
Choose your payday, reserve upcoming bills and a buffer, and plan everyday spending around the money you have entered.
A budget you can share
Pro gives couples a shared space for household budgets. Only the entries you put in that space are shared; your personal records remain private.
MONEY COVE · SAMPLE FIGURES
Your money, in view
Safe to spend until payday
£428.50
Next payday: 25 October · bills reserved
Food shop
£120 of £200
Travel
£48 of £90
Everyday
£63 of £150
Illustrative dashboard mock-up. No customer data.
A small check-in. A clearer week.
Your UK manual budgeting app works on a phone or desktop. Add it to your home screen for a quiet place to return to, without handing over access to your bank.
See installation instructionsHow it works
- STEP 1
Start with your figures
Add a manual account and its balance. Import a GBP CSV or enter transactions yourself.
- STEP 2
Plan for your payday
Set budgets, add upcoming bills and choose the day your budget starts.
- STEP 3
Check in at your pace
Keep balances and bill dates up to date. Use reminders and small milestones when they help.
Start free. Grow when you need to.
Free
£0
Manual budgeting, 10 categories, one goal and up to 3 bills.
Plus
£3.99 / month
Unlimited categories and goals, bills and reminder controls. £29.99 yearly.
Pro
£7.99 / month
Everything in Plus, shared budgets, splits and yearly reports. £59.99 yearly.
A few questions
Do I need to connect my bank?
No. Money Cove is a manual budgeting app. Add figures yourself or import a CSV. We never ask for your bank login.
Can we budget together?
Yes. Pro includes shared household budgets for couples, with separate personal records.
Is the safe-to-spend figure a bank balance?
It is an estimate from the current-account balances, bill dates and buffer you entered. Keep those up to date and check your bank before spending. Future income is not counted.
Will my trial charge me?
No. The 14-day Plus trial needs no card. You return to Free unless you deliberately buy a subscription.
Which CSV files can I use?
GBP exports from 12 UK banks and services, including Nationwide, Santander, Chase UK and Revolut. Generic CSV lets you map your own columns and preview every import.
Who is behind Money Cove?
Money Cove is operated by Tariq Majid, trading as Money Cove. It is built around a simple idea: you should be able to organise your money without giving an app your bank login. Questions or suggestions go directly to our support inbox.
Contact Money Cove