Koody - Budget & Bill Tracker

Koody, Inc.

In-app purchases

About this app

Looking for a budgeting app to help you stay on top of your finances? Koody is a free budgeting app and spending tracker that doesn't require bank connections.

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.

Whether you're just starting to take control of your finances or looking for a better way to stay organized, Koody is your financial planner designed to meet you where you are. You can enter transactions manually or import them from your bank statements, whatever works best for you. However you use it, you'll always get clarity, simplicity, and support.

STEP 1: ADD YOUR BANK ACCOUNTS
Create your bank and corresponding bank accounts manually 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.

STEP 2: TRACK YOUR INCOME AND EXPENSES
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 categorized automatically from transaction details, helping you quickly see where your money is going and where it shouldn't be. Koody is an expense tracker with a brain.

STEP 3: STAY ON PLAN, EFFORTLESSLY
Once your accounts and transactions are in, everything starts to come together. Set budgets, auto-categorize transactions, create goals, track progress, and let the app do the heavy lifting. Whether it's building savings, avoiding overdrafts, tracking bills, or making sure you don't overspend before payday, we've got your back.

Koody is an ideal budget planner and money manager for most people, including singles, couples, families, households, and students. And you absolutely do not need to link your bank accounts to use it.

Introducing: Koody AI - Chat with your money. Koody AI can help you plan, set goals, and think through spending. It can also offer basic guidance on building emergency funds and managing cash flow.

Here are Koody's core features:

FREE PLAN:
1. Input transactions manually
2. Add bank accounts
3. Track spending and income (up to 1 year)
4. Categorize transactions
5. Monitor subscriptions or bills
6. Koody AI
7. Upload receipts
8. Estimate your tax bill
9. Access on mobile and desktop

STANDARD PLAN:
1. Everything in Free
2. Track spending and income (up to 3 years)
3. Add new categories
4. Auto-generate recurring transactions
5. Export transactions (CSV, Excel, JSON)
6. Create and manage budgets
7. Sync budgets with your payday
8. Create recurring budgets

PLUS PLAN:
1. Everything in Standard
2. Import transactions from bank statements
3. Track spending and income (unlimited years)
4. Automatic transaction categorization
5. Unlimited categories
6. Automatic detection of recurring transactions
7. Advanced Koody AI
8. Keep budgets active indefinitely

Pro Tip: Sign up to enjoy the Standard plan free for the first month to see if it's right for you. If it's not, cancel anytime. No questions asked.

Ratings and reviews

Installed in phone > requires sign up. Okay let's do that. enter name, email, etc, "invalid time zone". ??? Let's use a computer instead. Sign up in computer, "invalid time zone". Uninstalled.

there are 2 things that take this away from 5 stars - firstly, the phone navigation buttons (3 lines, square and arrow) stay live in the app, so navigating within the app can be challenging (selecting "budget" can sometimes be unresponsive) I want to be able to transfer money across accounts without it being included in my budget spend, but I seem to not be able to do this, so it looks like ive spent more money than I have!!

The app works well and is great for keeping track of your spends. My only grumble is that it is set month to month with no option to chang it from pay day yo pay day, so i end up with half my bills from from one pay day on the same budget as one that will come out of the following pay day which gets confusing so end up just puting down that they come out on the last day of the month to keep them on the same batch of bills.

What’s new

Introducing - Koody AI Agent: Koody AI can now take actions on your behalf. Need to create a new budget or modify an existing one? Ask Koody AI to do it. Need to align an existing budget with your payday? Ask Koody AI to do that, too. We hope you enjoy this new service, and as always, we welcome your feedback!