Add your recurring bills once.
Give rent, utilities and subscriptions a place in your plan. Kalvo keeps planning their next due dates.
Recurring bills & reserves for iPhone
Know what’s
still coming
this month.
Rent, subscriptions, the next annual bill. Kalvo puts your regular costs into a plan that looks ahead.
Download Kalvo freeNo bank connection. No account.
10 active recurring bills and 2 reserves free.
Before the money leaves your account
A plan for
what comes next.
Think about annual costs monthly.
Turn one large bill into a manageable monthly reserve. See what you are setting money aside for.
Know your next month.
What is behind you? What is still ahead? Your timeline shows both, including future months.
Your month, in order
Still ahead.
Already past.
All in view.
Recurring bills and reserves belong in the same plan. Kalvo sorts them by date and labels reserves so you can tell them apart.
- Upcoming costs stay easy to see.
- Expand past dates when you need them.
- Use the month picker to look ahead or back.
Kalvo treats past due dates as paid. This is a planning assumption, not a check against your bank account.
For the bigger bill later
Due once a year.
Planned every month.
Your car insurance is not due every month. It still needs a place in your plan. Kalvo breaks annual and quarterly costs down into a monthly reserve.
For example
€600 per year€50 per month
You set the money aside yourself. Kalvo plans the amount and does not make transfers.
At a time that suits you
Due tomorrow?
Reminded today.
Turn on reminders and choose your time. Kalvo reminds you the day before a due date. Right on your iPhone.
For everyday life
For the costs
that keep coming back.
Your first home
Rent, utilities, internet. See which fixed costs belong to your month.
Read the complete guideLots of little subscriptions
Streaming, fitness, apps. Keep due dates and recurring amounts in view together.
Read the complete guideA household with annual bills
Prepare for insurance and membership fees before the next large bill arrives.
Read the complete guideKalvo in 24 seconds
A plan for what comes next.
Recurring bills. Annual costs. Your next month. See Kalvo with actual app screens and one continuous example plan.
Download Kalvo free
For iPhone with iOS 26 or later.
Keep recurring bills together
Rent and internet total €990 per month in this example. Kalvo continues planning their next due dates.
Prepare for annual bills monthly
€600 in annual car insurance becomes a €50 monthly reserve contribution. You set the money aside yourself.
Know your next month
The November plan shows €1,040: €990 in recurring bills and a €50 monthly reserve contribution.
Start free. Add more when you need it.
Your plan first.
Pro when you need more.
You buy Kalvo Pro once, not every month. The app shows the current price before you purchase.
Kalvo Free
€0
A clear starting point for your regular costs.
- Up to 10 active recurring bills
- Up to 2 reserves
- Monthly overview and forward planning
- Custom categories and reminders
Kalvo Pro
One-time purchaseMore room for your plan. More insight into your costs.
- Unlimited recurring bills and reserves
- Widgets for a quick overview
- Statistics and monthly comparisons
- CSV export for your own analysis
The idea behind Kalvo
What is still ahead?
That is the point.
An account balance does not tell you which bill is due next week. Kalvo focuses on that forward view: planning recurring costs and setting money aside for larger bills. Without becoming another banking system.
A few answers
Frequently asked questions.
Is Kalvo free?
Yes. You can plan up to 10 active recurring bills and 2 reserves for free. Kalvo Pro is an optional one-time purchase for unlimited entries and additional features. There is no Pro subscription.
Do I need to connect my bank?
No. You add your recurring bills and reserves yourself. Kalvo does not read bank transactions and does not need your bank login.
What does “Already paid” mean?
Kalvo automatically treats dates before today as paid. It plans by due date and does not check whether your bank has actually processed the payment.
Does Kalvo transfer my reserves automatically?
No. Kalvo calculates your monthly reserve amount. You set the money aside or transfer it to another account yourself.
Can I see future months?
Yes. The month picker shows planned due dates in future months and available past months. Double-tap the month pill to return to the current month.
Where are my entries stored?
On your device. Version 1.0 does not sync entries between devices or share them with other people. You can disable usage analytics that are not linked to your identity in Settings.
Which devices and languages does Kalvo support?
Kalvo is built for iPhone with iOS 26 or later. The app interface is available in German and English.
How do I restore Pro?
Open Settings, then Kalvo Pro. Use “Restore purchases” to restore an existing purchase with the same Apple Account.
Your next month is waiting
Fewer surprises.
A clearer view.
Start with your recurring bills. Ten active recurring bills and two reserves are free.
Download Kalvo free