Helping people see their everyday spending clearly.

Our story

Costnivo began with a simple observation: many people want a clearer picture of their day-to-day spending, but most tools and guides jump straight to complicated budgeting systems. We wanted to focus on the more basic habit that underlies all of them — simply writing down what you spend, and organizing it in a way that makes sense.

We are registered as Costnivo LLC and based in Ulaanbaatar, Mongolia. Our small team researches, writes, and maintains this website as an informational resource. We do not manage anyone's money, sell financial products, or charge for access to our content.