Built for Singapore · early access

Everything you're worth,
in one place.

Cash, CPF, SRS, investments, crypto and property — your whole net worth as one honest number. And Cova keeps it up to date for you, so you're not living in a spreadsheet.

🔒 We never see your bank login · your data is never sold
CPF
CPF total
S$ 214,900
Liquid net worth shown separately ✓
Ordinary (OA)
S$ 88,300
Special (SA)
S$ 96,100
MediSave (MA)
S$ 30,500
FRS progress
98%
Cova
Total net worth
S$ 1,088,400
▲ S$ 6,240 this month
Cash & walletsS$ 58,200
InvestmentsS$ 184,500
CPF & SRSS$ 233,700
Property (net)S$ 612,000

Still tracking in a spreadsheet?

The popular local money trackers have wound down, and there's still no proper net-worth app built for Singapore — so most people are back to messy spreadsheets. Bring yours over with a one-tap import and finally see everything in one place.

Move to Cova
Why Cova

The net-worth app that's actually built for Singapore.

Global apps don't understand CPF, SRS or your local investments — and they make you enter everything by hand. Cova does both.

Your whole net worth

Cash, cards, investments, crypto and property in one honest number — with a trend line so you can watch it grow.

CPF done right

OA, SA, MA and RA tracked properly, with a liquid-vs-total view and home equity shown net of your CPF accrued interest — the thing every other tool gets wrong.

Keeps itself updated

Auto-captures spending from your bank alerts, snaps a screenshot of your CPF or robo dashboard to read the numbers in, and auto-prices your stocks and crypto — no endless manual entry.

Milestones that matter here

Track the numbers Singaporeans actually chase — 1M65, your CPF Full Retirement Sum, your FIRE target and your dividend income floor.

Private by design

You never hand over a bank login — you stay in control. Your data is never sold, you can export any time, and a passcode locks the app.

Just ask

Add a transaction by voice or a quick line, snap a receipt, or ask "what's my net worth trend?" — the AI does the tapping for you.

How it works

Three steps. Then it runs itself.

1

Add your accounts

Cash, CPF, SRS, brokerages, robos, crypto, property. Type them once, or snap a screenshot and let the AI read the values in.

2

Cova keeps them fresh

Spending auto-captures from bank alerts, stocks and crypto re-price themselves, and a quick screenshot updates the rest.

3

Watch your number grow

One honest net-worth figure, a trend over time, and progress bars toward the milestones that matter to you.

Pricing

Free to start. Premium when you want the full picture.

Track your net worth and spending free, forever. Premium unlocks the automation and planning that make it effortless.

Free
S$0 / forever
Your net worth, in one place.
  • Whole net worth + trend
  • Auto-capture spending from bank alerts
  • Manual CPF, SRS, investments & property
  • Multi-currency · CSV import & export
Premium
Premium
Coming soon
Effortless, and Singapore-smart.
  • Everything in Free
  • AI import (screenshot / statement → values)
  • Auto-priced stocks & crypto
  • CPF & FIRE projections, milestone tracking
  • AI assistant, Excel & PDF, budgets
Waitlist members get early Premium access at a founder's price.

Be first through the door.

Join the waitlist and we'll email you when Cova opens up — plus a founder's price on Premium.