Roadmap

What's coming to Covely

Our vision for making Covely the most capable offline-first personal finance OS — powered by AI, connected to your bank, and always private.

Foundation — Shipped
✅
v1.0 – v1.2  Shipped
Core finance OS — accounts, imports, automation, wealth tracking
✦ Multi-account management
✦ CSV / OFX / QIF import
✦ Smart automation rules
✦ Post-import review screen
✦ Dashboard & KPI cards
✦ Net worth timeline
✦ Spending reports & heatmap
✦ Cash flow & 90-day forecast
✦ Securities & holdings tracking
✦ Monthly budgets
✦ Biometric lock (Face / Touch ID)
✦ AES-256-GCM encrypted backups
✦ Global omni-search
✦ 5-language localisation
What's Next
🔵
v1.3 — Smarter Budgeting & Recurring Intelligence  Up Next
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
Free
Budget Rollover — Carry unused budget amounts into the next month, or cap the rollover to a maximum
Free
Budget Alerts — Native OS notification when a category approaches or exceeds its monthly limit
Free
Split Transactions — Divide one transaction across multiple categories (e.g. grocery run that includes household items)
Free
Transaction Notes & Tags — Add free-text notes and custom tags to transactions for richer search and filtering
Free
🟢
v1.4 — Deep Portfolio & Net Worth Intelligence  Planned
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
PRO
Loan / Debt Tracker — Track balances, interest rates, and repayment schedules with an automatic "debt-free date" projection
Free
Dividend Tracking — Record dividend income linked to specific securities; display yield vs cost basis and income over time
PRO
Multi-currency Accounts — Assign a currency to each account and convert to a home currency for a consolidated net worth view
PRO
🤖
v1.5 — AI-Powered Financial Intelligence  Planned
On-device AI that understands your money — no data ever leaves your machine
AI Transaction Categorisation — On-device ML model that learns your spending patterns and auto-categorises imports with high accuracy, reducing manual rule-writing
Free
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"
PRO
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
PRO
Smart Rule Suggestions — AI detects uncategorised or inconsistently categorised merchants and suggests automation rules with one-click approval
Free
🟡
v1.6 — Power User & Productivity  Planned
Eliminate remaining manual work and reward power users with deeper control
Smart Import Auto-Match — Automatically match incoming transactions against existing pending entries to eliminate manual duplicate review
Free
Scheduled Report Exports — Export PDF or CSV snapshots of spending, net worth, or cash flow on a schedule; saved directly to your local disk
PRO
Custom Dashboard Layout — Pin, unpin, and reorder dashboard widgets to build the view that matters most to you
Free
Rule Templates Library — Community-shareable automation rule presets for common banks and merchants, applied with one click
Free
🏦
v1.7 — Open Banking Integration  Future
Connect directly to your bank — data flows device-to-device, never through Covely servers
Direct Bank Connection — Link your accounts via Open Banking APIs (Australia CDR, UK Open Banking, EU PSD2). Transactions import automatically — no more manual CSV exports
PRO
Real-Time Balance Sync — Account balances update automatically on app open, so your net worth is always current without any manual action
PRO
Pending Transaction View — See pending charges before they clear, so you always know your true available balance
PRO
Privacy-First Architecture — Bank API tokens are stored only on your device in the system keychain. All data flows directly to your local database — Covely never proxies or stores your banking credentials
Free
🟣
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
Shared Household View — Two Covely instances sharing the same encrypted file for couple or household financial planning
PRO

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We build Covely based on what our users actually need. Let us know what's missing for you.

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