Sova: Budget & Split Expenses
Bill tracker, savings & debts
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Budget your own money and split bills with friends — in one app, with the personal side kept on your device.
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
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, SEMIH DIK, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Purchases
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- SEMIH DIK
- Size
- 38.3 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
English and 18 more
- English, Arabic, French, German, Hindi, Indonesian, Italian, Japanese, Korean, Malay, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Tagalog, Thai, Turkish, Vietnamese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Sova Pro Annual $7.99
- Sova Pro 3 Months $2.49
- Sova Pro Monthly $0.99
- Copyright
- © 2026 kodmap