Anna Kovalchuk was born on 15 June 1977, in Neustrelitz (GDR), into a family of hereditary teachers. Anna's mother managed a kindergarten, her father was the teacher, and her grandfather was the principal. Anna has an older brother named Pavel.
During her school days, Kovulchuk lived in Leningrad. The future actress also spent parts of her childhood in Yerevan and Moscow. At school the exact sciences, in particular mathematics, were her favorite subjects. Upon termination of secondary school, Kovulchuk intended to enroll in the Leningrad Polytechnical Institute toward a career in cybernetics. But after a time, she instead chose an acting career and enrolled in the Leningrad Theatrical Institute of Music and Cinematography (the Ampere-second course. Shvedersky) During her theatrical studies, Kovulchuk got acquainted with her future first husband, Anatoly Ilchenko. While still a student, Kovulchuk became involved in a theatre troupe called Lensoveta where director Gennady Trostjanetsky was searching for an actress to play the young heroine for his production of «Imaginary Patient» based on Molière's comedy Le Malade imaginaire . The premiere of her performance took place almost at once after Kovulchuk received her diploma, and almost simultaneously with her wedding.
Graduated from St. Petersburg Academy of Theatre, Music and Cinema in 1998.
Kovalchuk's general popularity came after the role of inspector Maria Shvetsova in a teleserial of Tainy Sledstviya (Secrecy of the Investigation) (2001) for which the actress won a prize for embodiment of an image of "hero" on the international legal film festival «the Law and a society».
After shooting of the first series of "Secrecy of the Investigation", it was revealed that the actress was pregnant and about to give birth. After considering and weighing this situation, the filmmakers decided not to hide Kovalchuk's pregnancy; and script writer Elena Topilsky urgently adapted the script as it concerned the private life of its heroine, Masha Shvetsova's inspector, to include this development. On 26 October 2000, the actress gave birth to Ilchenko's and her daughter, Zlata (meaning "Gold" in Russian); and the scene of sorts and her breast-feeding her baby were subsequently included in the teleserial.
In 2005 Anna Kovalchuk starred as Margarita in the highly acclaimed Vladimir Bortko-directed Russian television miniseries The Master and Margarita, a screen version of the epic Russian novel by Mikhail Bulgakov.
The role of Margarita brought Kovalchuk great popularity. Upon conclusion of the filming of «Master and Margarita» in June 2005, Kovalchuk announced her divorce from Anatoly Ilchenko. Her words were confirmed by her ex-husband, who also acted in the miniseries.
Soon thereafter, Kovulchuk began dating businessman Oleg Kapustin. After two years of relations, they married on 1 December 2007, in St. Petersburg. As a wedding gift, Oleg presented her with a thoroughbred racehorse. On 30 April 2010, the actress gave birth to the couple's son, Dobrynja.