Shared budget app for couples who want clarity.
Budget together without shared logins. Create one household budget, invite your partner, and keep shared spending, categories, and goals visible in the same dashboard. Start on Standard, then add Plus later if you want CSV imports and unlimited history.
How it works
Koody is for households that need one shared plan without turning one person into the money administrator. Both people can see the same budget and the same activity, so the conversation starts from the same numbers.
The first win is simple: create the budget, invite your partner, and watch the shared dashboard start reflecting real life instead of memory and guesswork.
Create Your Shared Budget
Set up one household budget for rent, groceries, bills, savings, and the categories that matter to both of you. The goal is one shared plan, not more spreadsheets.
Invite Your Partner
Each person uses their own login. Add your partner with the right permission level, so the budget is shared without sharing passwords or bank credentials.
Track Together In Real Time
As shared expenses are added, both of you see the same dashboard, the same category totals, and the same budget balance on mobile or desktop.
SHARED DASHBOARD
See the same shared budget on both sides.
A shared budget only works when both people can actually see the same picture. Koody gives you one place to review household categories, activity, and budget progress without chasing updates across messages or spreadsheets.
- See shared category totals, activity, and budget balance in one view on mobile and desktop.
- Keep rent, groceries, utilities, subscriptions, and savings goals in the same shared picture.
- Review real numbers together instead of piecing things together from texts, statements, and memory.
SEPARATE ACCOUNTS
Budget together without fully combining everything.
A lot of couples want a shared plan without a fully shared banking setup. Koody is built for that middle ground: one shared household budget, plus room for personal boundaries.
- Budget together without needing to merge every account into one joint setup.
- Keep private spending outside the shared budget while still tracking shared categories together.
- Choose the accounts and categories that belong to your household budget instead of exposing everything.
PERMISSIONS
Share the budget, not your passwords.
Collaboration is much easier when each person has their own access and their own role. Koody keeps shared budgeting organized with clear permissions instead of all-or-nothing account sharing.
- Invite a partner, spouse, roommate, or family member with their own Koody login.
- Use owner, editor, and view-only access to match how involved each person should be.
- Change or revoke access any time without changing passwords or reshuffling your whole setup.
SHARED PLANNING
Keep bills, paydays, and household goals inside the plan.
Shared budgeting works better when recurring obligations are already in view and the budget dates reflect how money actually arrives. That is where Standard turns a shared dashboard into a steadier household system.
- Create and manage budgets together on Standard, so both people stay aligned on the monthly plan.
- Auto-generate recurring transactions for rent, utilities, subscriptions, and paychecks that shape household cash flow.
- Sync budget dates with payday when your shared money rhythm does not line up with a calendar month.
KOODY AI
Ask better household money questions together.
Koody AI helps turn the shared budget into a better decision tool. Instead of arguing from instinct, both of you can pressure-test choices against the same real numbers.
- Ask Koody AI how much room is left in the shared budget before a bigger purchase or weekend plan.
- Check trade-offs together, like whether a travel booking changes your shared savings pace this month.
- Use AI answers grounded in the same shared numbers that both people can already see in the dashboard.
Built for couples, and flexible enough for families and roommates too.
The same shared-budget setup also works for families, roommates, and shared homes that need one clear money view.
Couples
Track rent, groceries, dates, trips, and shared goals without turning every purchase into a debate.
Families
Keep one household view for bills, subscriptions, school costs, and day-to-day family spending.
Roommates
Manage rent, utilities, internet, groceries, and shared costs in one budget instead of scattered threads.
Pricing
Start with Standard for shared budgets, permissions, and payday-aware planning, then add Plus when you want CSV imports and unlimited history.
First month free on Standard. No credit card required.Input transactions manually
Add bank accounts
Track spending and income (up to 1 year)
Categorize transactions
Monitor subscriptions or bills
Upload receipts
Estimate your tax bill
Access on mobile and desktop
Everything in Free
Track spending and income (up to 3 years)
Add new categories
Auto-generate recurring transactions
Export transactions (CSV, Excel, JSON)
Create and manage budgets
Sync budgets with your payday
Invite family or friends to collaborate
Set budget permissions
Everything in Standard
Import transactions from bank statements
Track spending and income (unlimited years)
Automatic transaction categorization
Unlimited categories
Automatic detection of recurring transactions
Advanced Koody AI
Keep budgets active indefinitely
Ready to budget together without the spreadsheet drama?
Start with one shared budget, invite your partner, and keep your household plan in one place.
Helpful Articles From The Koody Blog
Frequently Asked Questions
1. Can we use Koody as a shared budget app without sharing logins?
Yes. Each person uses their own Koody login, and you share the budget through invitations and permissions inside the app.
2. Can couples budget together with separate accounts in Koody?
Yes. Koody supports couples budgeting with separate accounts. You can keep personal spending private and only share the budget scope that belongs to your household plan.
3. Do we need a joint bank account to use Koody together?
No. A joint bank account is optional. Koody is designed to help you budget together even if each person keeps their own accounts.
4. Can both people add and edit shared expenses?
Yes. On Standard, collaborators with edit access can add and manage shared budget activity together. If someone only needs visibility, you can give them view-only access.
5. Does Koody support permissions for shared budgets?
Yes. Koody supports owner, editor, and view-only roles so you can control who can update the shared budget and who should only see the results.
6. Can we budget by paycheck as a couple?
Yes. On Standard, you can sync budget dates with payday, which is useful when shared bills and spending decisions follow a weekly or biweekly pay cycle.
7. Is shared budgeting included on Koody’s Free plan?
No. Shared budgets, collaboration, and permissions are Standard features. Free is better for solo manual tracking before you move into joint planning.
8. Can we import old shared transactions into Koody?
Yes. If you want to backfill history, Plus adds CSV import workflows and unlimited history so you can bring in older shared spending.
9. Does this only work for couples?
No. Koody also works well for families, shared households, and roommates who want one clear budget view with roles, permissions, and shared visibility.