Make Covely useful for day-to-day money management, not just historical
review
Recurring Transaction Detection — Auto-detect
subscriptions and bills from history; surface upcoming bills on the dashboard so you never
miss a payment ✓ Shipped in 1.3.1
ShippedFree
Budget Rollover — Carry unused budget amounts into
the next month, or cap the rollover to a maximum ✓ Shipped in
1.3.3
ShippedFree
Budget Alerts — Native OS notification when a
category approaches or exceeds its monthly limit ✓ Shipped in
1.3.3
ShippedFree
Bills / Deposits Calendar — A visual monthly view of
all upcoming and past recurring obligations to help you plan your cash flow
ShippedMS Money Parity
Split Transactions — Divide one transaction across
multiple categories (e.g. grocery run that includes household items) ✓ Shipped in 1.3.4
ShippedMS Money Parity
Transaction Notes & Tags — Add free-text notes
and custom tags to transactions for richer search and filtering
ShippedFree
🟢
v1.4 — Deep Portfolio & Net Worth Intelligence Shipped
Elevate the wealth module for serious investors and property owners
Property Equity Tracking — Add properties with
purchase price, current estimated value, and mortgage balance to see real equity over time
Shipped
Loan / Debt Calculators — Track balances, interest
rates, and repayment schedules, or model "what-if" scenarios
Shipped
Dividend Tracking — Record dividend income linked to
specific securities;
Shipped
Multi-currency Accounts — Assign a currency to each
account and convert to a home currency for a consolidated net worth view
🤖
v1.5 — Financial Intelligence Shipped
Smart insights computed on your device — no data ever leaves your
machine
Natural Language Search — Ask questions in plain
English: "How much did I spend on food last month?" or "Show me all Uber
charges over $30"
Free
Anomaly Detection — Automatically flags unusual
charges, duplicate merchants, or sudden spending spikes with an explanation and one-click
review
Free
AI Weekly Digest — A locally generated plain-English
summary of your week: top spending categories, budget progress, and notable changes vs last
month
Free
Smart Rule Suggestions — AI detects uncategorised or
inconsistently categorised merchants and suggests automation rules with one-click approval
Free
Custom Dashboard Layout — Pin, unpin, and reorder
dashboard widgets to build the view that matters most to you
Free
Report Exports — Export PDF or CSV
snapshots of spending, net worth, or cash flow on a schedule; saved directly to your local
disk
Free
✅
v1.6 — Power User & Productivity Shipped
Eliminate remaining manual work and reward power users with deeper
control
Account Reconciliation — Verify your Covely records
against your physical bank statements to ensure perfect accuracy
Shipped
Rule Templates Library — Community-shareable
automation rule presets for common banks and merchants, applied with one click
Shipped
Custom Reports Builder — Break spending and income
down by category, payee, tag, account or period, two levels deep, with a chart, a table and
CSV/PDF export ✓ Shipped in 1.6.2, expanded in 1.6.8
Shipped
Saved Reports & Favorites — Pin your favourite
reports and show any saved custom report on your dashboard ✓ Shipped
in 1.6.8
Shipped
Portfolio Performance Reports — Advanced ROI, IRR,
and time-weighted return tracking for your investment accounts ✓ Shipped in 1.6.4
Shipped
What's Next
🎯
v1.7 — Goal & Lifetime Planning Up Next
Look forward, not just back — plan the big things using the data already in Covely
Goal Planner — Build on Savings Goals with target dates, the monthly amount needed to stay on track, and progress linked to real account balances
MS Money Parity
Lifetime Planner — Project your long-term wealth over decades based on life events, inflation, and investment returns
MS Money Parity
🟣
v2.0 — Optional Sync & iOS Companion Future
Multi-device access — still fully private, still fully yours
iCloud / Dropbox Sync — Sync your encrypted database via your own cloud storage. Covely decrypts locally only — the sync provider never sees your data
PRO
iOS Companion App — View your dashboard, net worth, and recent transactions on iPhone using the synced encrypted file. Read-only in v1.
PRO
Have a feature request?
We build Covely based on what our users actually need. Let us know what's missing for you.