Kivo Money
Track expenses, watch category budgets, and see where the month went.
One account, five services
Your everyday life, connected
Kivo holds money, school, commute, tasks and local updates in one place, then reads them together. Instead of five apps that each know one thing, you get one brief that says what today asks of you.
What the home brief reads like
One paragraph, drawn from five services
“Exam: Midterm examination. General Chemistry, due 8:00 AM tomorrow. On Home to campus, 52 minutes of travel puts your departure at 7:08 AM, so start getting ready by 6:28 AM. Conditions read heavy at that hour. 2 preparation tasks still open.”
School supplied the deadline. Commute worked backwards from it along your saved route. Local raised the estimate because road work is active on your area. Life counted the study tasks you have left. Kivo writes the sentence.
The five services
Kivo School
Keep assignments, exams, deadlines and grades in one timeline.
Kivo Commute
Estimate travel time on your saved routes and learn when to leave.
Kivo Life
Hold personal tasks, reminders and goals with the rest of your day.
Kivo Local
Read announcements, events, advisories and weather for your area.
How a day fits together
1. Put the day in
Log an expense, add an assignment with its due date, save the route you take, and write down the tasks you are carrying.
2. Kivo links it
Deadlines meet travel estimates, budgets meet the month you have had, and local advisories meet the route you actually take.
3. Act on one screen
The home brief lists what matters next, each line tagged with the services it came from and linked to the place you can change it.
Questions people ask first
What does Kivo actually connect?
The home brief reads all five services at once. A Kivo School exam sets the arrival time, Kivo Commute works backwards from it to a departure time using your saved route, Kivo Local raises that estimate when an advisory is active on your area, and Kivo Life counts the preparation tasks still open. One paragraph, five sources.
Where do the travel estimates come from?
Kivo Commute computes them locally from time of day, weekday pattern, travel mode and any advisories recorded in Kivo Local. Every screen labels them estimates. Kivo reads no live traffic feed today; the /api/local endpoint is where an operator feed would be ingested.
Do I need to use all five services?
No. Each service works on its own, and the brief writes lines only for services that hold data. Add a route later and the commute lines start appearing.
How is my data stored?
One account, one database row set, keyed to your user id. Saved commute addresses are encrypted at rest with AES-256-GCM. Passwords are hashed with scrypt. Every query is scoped to your user id in SQL, so a record from another account is unreachable.
Can I export or delete what Kivo holds?
Yes. Privacy and data has a one-click export of every record tied to your account as JSON, and support handles deletion requests through the contact button on any page.
What does Kivo cost?
Nothing at this stage. There is no payment step, no card on file, and no advertising network in the page.
Start with one service and grow into the rest
Creating an account takes an email address and a password. Nothing else is required, and the demo data stays out of your account.
Page last updated · llms.txt