Create your plan
Set expected income and category limits for the period that matters to you.
Private budgeting app
See the plan and the real activity.
Build a monthly plan, track actual money movement, and understand what remains—without losing refunds, positive credits, transfers, or account history.
A clear workflow
Plan, record, and learn from the same ledger.
Record real activity
Add transactions manually or import supported bank files, then review the results.
Understand the outcome
Use date filters, category breakdowns, charts, and reports to see what changed.
Common questions
Budgeting with PaktCove
Does PaktCove account for refunds and credits?
Positive transaction amounts remain part of the ledger movement. Reporting distinguishes income and spending rules while preserving actual account history.
Can I use PaktCove without connecting a bank?
Yes. You can add activity manually or import supported files. Connected-bank functionality is optional and availability may vary.
Is PaktCove a financial adviser?
No. PaktCove is a planning tool. Confirm calculations and financial decisions with the relevant institution or qualified professional.