kowa_es

kowa_es

Solo maker. Building KOWA (kowa.es)
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KOWA
KOWACalm expense tracker. No bank link, no cookies, no tracking

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2mo ago

Built an expense tracker that never touches your bank. Launching Sunday 27.

Hi, I'm Alberto. One person, no company, evenings and weekends.

KOWA started because every budgeting app I tried wanted my bank login, or an aggregator sitting in the middle with permanent access. I didn't want either. So KOWA reads the statement file you download from your bank (CSV, Excel, OFX or PDF) and sorts it into categories. Rules and your own history go first; the AI is only asked about merchants the app has never seen, with names and IBANs masked before anything leaves the server. No cookies, no trackers, EU hosting, three languages.

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1mo ago

KOWA - Calm expense tracker. No bank link, no cookies, no tracking

KOWA is a personal expense tracker that never connects to your bank. Import your statement (CSV, Excel, OFX or PDF, 100+ bank formats) and it sorts it all into categories — rules and your own history first, AI only for what's left, with personal data masked. Budgets, savings rate, alerts when a subscription raises its price, and a monthly report in plain language. Built in Europe: EU hosting, GDPR export/delete, no cookies, no trackers. Free plan, no card; Pro €4.99/mo or €39.99/yr. EN/ES/NL.
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2mo ago

Photographer in Dublin, built my first product — launching 3 October

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