KOWA · House #23,708

What it is

Calls itself “personal expense tracker”.

• Calls itself: personal expense tracker

“KOWA is a personal expense tracker that never connects to your bank.”

Where it puts itself

Rules out “bank link”, “cookies” and “tracking”.

• Says it will not: bank link · cookies · tracking

“No bank link, no cookies, no tracking”

“No cookies, no tracking”

What it costs

Monthly subscription and yearly plan. A free tier, free forever. Prices quoted: €0, €39.99/yr, €4.99/mo.

• Monthly: yes
• Yearly: yes
• Free plan: free forever
• Price: €0 · €39.99/yr · €4.99/mo

“Free €0 forever, no card”

“Pro Yearly €39.99 per year — works out at €3.33/month”

Who it sells to

Sells to consumers. Built for solo users. Available in 3 languages.

• Sells to: consumers
• Company size: solo / indie
• Languages: Dutch · English · Spanish

“KOWA is a personal expense tracker that never connects to your bank.”

“KOWA is a personal expense tracker”

How it runs

A desktop app and mobile app. Hosted in the cloud. No API. AI is the core of the product.

• Kind: desktop · mobile
• Runs where: cloud / hosted
• API: no
• AI role: core to the product

“Installs as an app On your phone and your desktop, with its own icon and no app store.”

“Your data is stored on servers in the European Union”

What it works with

Integrates with Anthropic and Polar. Names Autoriteit Consument & Markt, Autoriteit Financiële Markten and 2 more on its pages.

• Integrates with: Anthropic · Polar
• Names: Autoriteit Consument & Markt · Autoriteit Financiële Markten · Autoriteit Persoonsgegevens · +1

“…an artificial intelligence model from Anthropic (United States)”

“Autoriteit Consument & Markt (ACM)”

What it offers as proof

Live, no waitlist. Claims “100+ bank formats”. Compliance: GDPR. Try it without signing up.

• Number claimed: 100+ bank formats
• Compliance: GDPR
• Instant signup: yes
• Trial asks for: nothing

“Create a free account”

“The Free plan asks for no card. And no cookies or trackers.”