Koody helps you make SMART financial decisions.
Most people aren't taught how to budget or manage money. We built Koody to change that. Koody empowers you to spend, save, and plan with confidence, even if you're starting from scratch. No bank connection required.
How it works
Managing your money shouldn't require perfect habits or perfect systems.
Whether you're just starting to take control of your finances or looking for a better way to stay organized, Koody is designed to meet you where you are. You can enter things manually or import past transactions; whatever works best for you. However you use it, you'll always get clarity, simplicity, and support.
Add Your Accounts
Create your bank and corresponding bank accounts with our simple interface. It is easy, does not require a connection to your actual bank account, and takes less than 30 seconds to complete. Our intuitive design makes it a breeze to organize your accounts so you can skip the confusion and focus on what matters.
Track What Matters
Add your transactions manually as they happen or upload your bank statements in one quick go. Manually added transactions let you choose categories on the spot, while imported ones are automatically sorted for you, helping you understand where your money's going and where it shouldn't be.
Stay on Plan, Effortlessly
Once your accounts and transactions are in, everything starts to come together. Set budgets, create goals, track your progress, and let the app do the heavy lifting. Whether it's building savings, avoiding overdrafts, or making sure you don't overspend before payday, we've got your back.
Koody is ideal for most people, including singles, couples, families, households, and students. And you absolutely do not need to link your bank accounts to use it.
Koody is ideal for most people, including singles, couples, families, households, and students. And you absolutely do not need to link your bank accounts to use it.
BANK ACCOUNTS
Add your bank accounts to see them all in one place.
Whether it's a checking account, a retirement account, a crypto wallet, or even the cash you keep on hand, it all counts. Koody gives you a complete picture of your finances by letting you add any type of account, manually.
It's quick to set up and designed to work around your life, not the other way around.
- See all your accounts, including checking, savings, investments, and more, in one unified dashboard.
- Add accounts manually with our clean, simple interface.
- Keep track of your full financial picture, including crypto, retirement, and cash on hand.
INCOME AND EXPENSES
Track what's coming in, what's going out, and what's due next.
Whether you log transactions manually or let the app pull them in from your bank statements, everything is built to be flexible and easy to maintain. You can track one-off payments, set up recurring bills or paychecks that generate themselves on the right day, and even tag income that has tax due, so nothing sneaks up on you.
From everyday spending to long-term planning, this is how you stay on top of your money without losing track of the details.
- Log income and expenses manually or import them directly from your bank statements.
- Set up recurring payments to track subscriptions, salaries, or bills with zero effort.
- Mark income as taxable so you know exactly what's yours and what you owe.
BUDGETS
Build a budget that fits your life (not the other way around).
Koody is designed to be flexible, forgiving, and actually useful. You can create monthly or custom budgets, track your spending by category, and adjust things as life changes, because it always does.
Recurring expenses are automatically factored in, and you can carry over leftover amounts, making sure every dollar has a job without it feeling like a chore. Whether you want to save more, spend better, or just stop running out of money before the end of the month, your budget becomes your guide, not your judge.
- Create dynamic recurring or one-off budgets that adapt to your income, lifestyle, and goals.
- Track spending by category and adjust in real-time as life happens.
- Get a clear view of how much is left, what's overspent, and what's ahead.
COLLABORATION
Money is easier to manage when you're not managing it alone.
Whether you're sharing finances with a partner, supporting a family, or managing a household with roommates, transparency matters. Our collaboration tools let you invite the people you trust to share access to your budgets and bank accounts, so everyone stays on the same page without the awkward spreadsheets or endless back-and-forths.
You decide what they can see and do. Collaborators can help track spending, add transactions, adjust budgets, and keep everything updated in real time. No more “did you pay that bill?” texts or “where did all the money go?” arguments. Just shared clarity, mutual ownership, and a lot less stress.
- Invite your partner, family, or housemates to collaborate on budgets and accounts.
- Set permissions to control who can view, edit, or manage each part of your finances.
- Build accountability and shared goals without losing track or control.
Pricing
Our pricing is flexible and straightforward: no hidden fees and no surprises. Start with a free month of our Plus plan to see if it's right for you. If it's not, cancel anytime. No questions asked.
First month free. No credit card required.No bank connection required
Manually input transactions
Add bank accounts
Track spending (up to 1 year)
Categorize transactions
Budget in any currency
Monitor subscriptions, salaries, or bills
Get reminders for upcoming transactions
Gain spending insights
Forecast transactions to avoid overdrafts
Upload receipts
Estimate your tax bill
Access on mobile and desktop
Everything in Free, plus:
Track spending and income (up to 3 years)
Auto-generate recurring transactions
Customize categories
Create and manage budgets
Sync budgets with your payday
Invite family or friends to collaborate
Set permissions for viewing, editing, or managing budgets
Keep budgets active indefinitely
Everything in Standard, plus:
Import transactions directly from bank statements
Track spending and income (unlimited years)
Automatic transaction categorization
Automatic detection of recurring transactions
Frequently asked questions
1. Can I budget without linking my bank account?
Yes, Koody is designed for people who prefer not to link their bank accounts. Whether you're in the US, UK, Canada, Australia, or anywhere else, Koody is a manual budgeting app that allows you to set budgets, track spending, categorize expenses, set savings goals, and upload receipts, all without connecting your bank account. Koody is an excellent choice for those who want to enjoy all the perks of a modern budgeting app without linking their bank accounts.
2. Can I change the budget start and end dates to match my pay period?
Absolutely. Koody allows you to customize your budget cycle to align with your pay schedule, whether it's weekly, bi-weekly, or monthly, providing a more accurate financial overview.
3. Can I add a new category?
Yes, you can create as many custom categories as you need. This feature helps you tailor your budgeting to reflect your unique spending habits and financial goals.
4. How do I input my income?
You can add income manually or import it from your bank statements. This flexibility ensures you can track your earnings accurately, regardless of your preferred method.
5. Does the app support tax tracking for income?
Indeed, you can mark income as taxable, and Koody will help you track the amount owed. This feature is particularly useful for freelancers and self-employed individuals managing their tax obligations.
6. Can I change my currency?
Yes, Koody supports all global currencies. You can set your preferred currency in the settings, making it convenient to manage your finances wherever you are in your local currency. Simply head to the settings menu and pick your preferred currency from our comprehensive list.
7. Is my financial data secure?
Security is our top priority. We use bank-grade encryption and adhere to strict privacy protocols to protect your data. Your information is never shared without your consent, ensuring your financial data remains confidential.
8. Can I track recurring transactions?
Yes, Koody allows you to set up recurring transactions for both income and expenses. These transactions are automatically generated on the specified dates, helping you stay on top of regular financial commitments.
9. Can my partner and I share the app?
Yes, you can. Koody supports collaboration, allowing you to invite your partner, family members, or roommates to share and manage budgets and bank transactions together. You can control permissions, ensuring everyone stays informed and aligned without compromising privacy.
10. Can I use the app in my country?
Koody is available globally, including in the US, UK, Canada, Australia, and many other countries. We support various currencies and banking systems, making it accessible for users worldwide.
11. What happens if I cancel my subscription?
If you cancel during your free trial, you won't be charged and your access to our premium features will end when the trial expires. If you're already on a paid plan, you'll keep access until the end of your billing cycle, after which your account will no longer have access to our premium features. You can always come back and reactivate your paid plan later. Your data associated with our premium features will be securely stored for a limited time in case you return.
12. How do I delete my account?
To delete your account, navigate to 'Edit Profile' and select 'Delete Account.' Please note that this action is irreversible and will permanently remove all your data.