Your money, tracked entirely on your device.
Clovio is an offline-first money tracker for debt, expenses, budgets and goals. No account, no cloud, nothing leaves your phone — and the essentials are free forever.
Stop typing your money. Just say it.
No other finance app lets you do this. Speak naturally — Clovio hears the amount, picks the category, sets the date, and logs the transaction. Completely hands-free, in the time it takes to say one sentence. Adding expenses has never taken less effort.
Set up in a minute. No sign-up.
Install & open
No account, no email, no OTP. Open Clovio and you're ready — your data lives only on this device.
Add transactions
Type them, or just speak. Say “spent 250 on coffee” and Clovio logs the amount, category and date for you.
Stay on track
Watch budgets, clear debts and hit goals. Go Pro for EMI & bill reminders so you never miss a payment.
Everything you need to run your money.
Expenses
Log and categorise spending in seconds, then see exactly where your money goes.
Debt
Track money you owe and money owed to you. Settle up without the awkward math.
Budgets
Set limits per category and watch them update live as you spend.
Goals
Save toward what matters and watch your progress climb at a glance.
Offline-first
Works with zero internet. Your data is stored on your device, never on our servers.
Voice transactions
Log hands-free. Just say it out loud and Clovio records the transaction — no typing at all.
Free forever. Pro when you need more.
- Expenses, debt & budgets
- Savings goals
- 100% offline & on-device
- No account, no ads
- Unlimited budgets & goals
- EMI & bills tracking
- Smart reminders — never miss a payment
- World-first voice input transactions
- Log hands-free — just say it
Questions, answered.
Is my financial data really private?
Yes. Clovio is offline-first — your transactions, debts and goals are stored on your device. There's no account and nothing is uploaded to our servers, so your money data stays yours.
What does the voice input actually do?
Say something like “spent 250 on coffee” and Clovio turns it into a transaction — amount, category and date filled in automatically. It's the fastest way to log spending, completely hands-free.
What's free vs. Pro?
Expenses, debt, budgets and goals are free forever. Pro unlocks unlimited budgets & goals, EMI & bills tracking, smart payment reminders, and voice-input transactions.
Will my data sync across devices?
Clovio is designed to keep your data on your device. We're exploring private, encrypted backup so you can move to a new phone without ever handing your data to anyone.
When is it launching?
Clovio is launching on Google Play and the App Store soon. The store buttons above will go live the moment it ships.