Koody helps you make SMART financial decisions.

BANK ACCOUNTS

Add your Canadian bank accounts to see them all in one place.

Whether it's a chequing account, a TFSA, a retirement account, a crypto wallet, or the cash you keep on hand, it all counts. Koody gives Canadians a complete picture of their finances by letting them add any type of account manually.

It's quick to set up and designed to work around your life, not the other way around.

• Add Canadian bank accounts, credit cards, savings, investments, and cash in one unified dashboard.
• Create banks for RBC, TD, Scotiabank, BMO, CIBC, Tangerine, EQ Bank, KOHO, and more, with the same manual-first setup used across Koody.
• Keep your full money picture in Canada visible without needing live bank sync.

INFLOWS AND OUTFLOWS

Track what's coming in, what's going out, and what's due next.

Whether you log transactions manually or import them from Canadian bank statements, everything is built to be flexible and easy to maintain. You can track one-off payments, set up recurring bills or paycheques that generate themselves on the right day, and mark taxable income when you need a clearer view.

From everyday spending to long-term planning, this is how you stay on top of your money in Canada without losing track of the details.

• Log income and expenses manually or import them from Canadian bank statements by CSV.
• Set up recurring bills, subscriptions, and paychecks so regular Canadian spending stays visible.
• Track taxable income when you need a clearer view of what is yours and what is due.

IMPORTS

Bring in Canadian transaction history fast when you need a catch-up.

Imports give you a fast way to add history in bulk whenever you want it. Upload a CSV from your Canadian bank, card, old budgeting app, or spreadsheet, and Koody turns it into a usable transaction list without forcing you into bank sync.

Once the file is in, you can review categories, spot likely recurring items, and clean things up quickly so your history is accurate and ready to budget with.

• Upload CSV statements from Canadian banks, cards, old budgeting apps, or spreadsheets.
• Let Koody clean descriptions, auto-categorize transactions, and flag likely recurring items.
• Review and edit imports quickly so your Canadian transaction history is ready to budget with.

BUDGETS

Build a budget that fits your life in Canada.

Koody is designed to be flexible, forgiving, and actually useful. You can create monthly or custom budgets in CAD, track your spending by category, and adjust things as life changes, because it always does.

Recurring expenses are 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 stop running out of money before the end of the month, your budget becomes your guide, not your judge.

• Create monthly or custom budgets in CAD that fit the way you actually live.
• Track spending by category and adjust in real time as life happens.
• Get a clear view of what is left, what is overspent, and what is ahead.

CATEGORIES

See exactly where your money is going.

Category clarity is what turns raw transactions into decisions you can trust. Koody makes it easy to keep categories clean, so your spending patterns are obvious at a glance.

Whether you enter transactions manually or import by CSV, your category view stays practical, visual, and ready for quick weekly check-ins.

• Create custom categories that match how you actually spend in Canada.
• Review and correct imported categories quickly so trends stay accurate.
• See category performance with colour-coded breakdowns that make problem areas obvious.

Koody AI

Chat with your money.

Have a real conversation with your money. Ask plain-English questions like "Can I afford this trip?", "Which accounts are at risk of being overdrawn?", or "What's my average daily spend this week?" Koody AI looks at your budgets, recurring items, and transactions to give you clear, grounded answers and actionable next steps.

It's there when plans change, when you need a quick what-if, or when you want a nudge to stay on track. Think of it as a practical copilot that helps you make decisions with confidence.

• Ask natural questions about cash flow, balances, goals, and trade-offs.
• Run simple what-ifs to see the impact on this month's budget and the months ahead before you commit.
• Turn insight into action with suggested category tweaks, savings targets, and pacing checks you can use right away.

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.

• 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.

EXPENSE RECEIPTS

Snap a photo of your receipts and store them digitally.

With Koody's Receipts feature, you won't have to fish for receipts at the bottom of your bag, risk misplacing them, or worry about receipt ink fading.

Simply snap a photo of your receipts and store them digitally so you can access them at any time, all in one place.

Whether it's a grocery run, winter tires, or a business expense, your paper trail stays with your finances, not buried in your camera roll.

• Capture and store receipts in seconds, right inside Koody.
• Keep receipts alongside the matching expenses so context is never lost.
• Access your receipt library on mobile and web, whenever and wherever you need it.