A budget built for you
Kyva reads your pay and your bills, then sets up a budget that fits your actual life. Not some 50/30/20 fantasy.
Smart budgeting app · Launching Jan 2027
Your money is getting smarter.
Kyva is a smart budgeting app that sets you up with a budget that fits your life, tracks every transaction automatically and serves up insights that get you to your goals faster. No spreadsheets. No guesswork.
- Solo or with your partner
- 125+ connected financial institutions
- Secured by Consumer Data Right
kyva
Hi Jess
YOUR MONEY, AT A GLANCE
How you're tracking
Look at you go 🌟
You're spending slower than the month's moving. Don't get cocky though, 5 days to go.
Spend · 6 Nov – 19 NovUnder pace
$380 of $760
$380 left · 5 days to go$63 a day
Pay day in 3 daysFri 21 Nov · about $2,450 from Northside Dental
3days
Your pay day plan
Goals in progress$26,800 saved of $64,000
🗾 Japan trip70%
$1,200 left to go
🏡 House deposit40%
$36,000 left to go
Origin EnergyAdded to Bills · $540/qtr
JS
Sam paid their half (finally)Internet · $37.50
Every dollar has a job$0 left to plan
Kyva in 10 seconds
Connect your bank. Kyva does the rest.
Every transaction, sorted
Spending files itself into categories automatically. You'll never type in a flat white again.
AI-powered insights
Kyva's AI flags spending that's creeping up and tells you exactly how much you've got left to spend. Got a money question? Just ask.
Join the waitlist Launching January 2027 on iPhone and Android
Features
Everything a budget should do. Minus the guilt trip.
Bills that find themselves
Kyva sniffs out the bills and subscriptions hiding in your transactions and adds them for you. Including the one you forgot you signed up for.
Connect in minutes
Link your accounts through Australia's Consumer Data Right. You log in on your bank's own page, never ours. We don't want your password. Genuinely.
Split with anyone
Share a bill or a whole joint account with a partner, housemate or mate. Everyone sees their share, and nobody has to send the "hey, so about the power bill" text.
Goals, together
Japan, a car, a house deposit. Save solo or with friends and watch it fill up. Way more satisfying than another pair of sneakers.
Your pace, not ours
Paid weekly, fortnightly or monthly? Kyva tracks your spending to match, or lines it up with your pay day. Your rhythm, not the calendar's.
$328 to spend this week
Better together
Split the bills, not the relationship.
Add your partner, housemate or best mate and share only what you actually share. A joint bills account splits itself, one-off bills can be 50/50 or whatever's fair, and shared goals show exactly who's put in what. No more "I'm pretty sure I paid last time."
- Your own budget stays private. Yes, even the Uber Eats.
- Shared lines show up in both, automatically
- Stop sharing any time, no hard feelings
Security
Cheeky about money. Serious about security.
Read-only
Kyva can see your balances and transactions. It can't move money, pay anyone or change a single thing at your bank. Look, don't touch.
Your password stays with your bank
You log in on your bank's own page. Kyva never sees or stores your banking password, and honestly doesn't want to.
Consumer Data Right
Bank data comes through the CDR, Australia's government-regulated system for sharing banking data safely. No dodgy workarounds.
You're in control
Stop sharing whenever you like. Delete your account and your bank connections are cancelled with it. No break-up fee.
Launching January 2027
Your future self says thanks.
Join the waitlist and get in before everyone still budgeting in the Notes app.
Get Kyva on your phone and plan your first month before your coffee goes cold.
Or open Kyva in your browserContact us
Get in touch.
Questions, feedback, partnership ideas, or your best budgeting horror story? Our inbox is open.
hello@kyva.com.au