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.

If you have ever searched for terms like "budget app that doesn't connect to bank", "budgeting apps that don't connect to bank account", or "budgeting app without bank sync", you are in the right place. Koody is a budgeting app that doesn't connect to your bank account. No bank sync. No credentials. Just a simple way to track spending, income, budgets, and bills.

In Koody, you can:
- Add transactions manually (daily tracking),
- Import transactions from a bank statement CSV, and
- Invite a partner or household member to collaborate.

CORE FEATURES
- Budget Planner: Build a monthly budget, set category limits, and see your plan at a glance.

- Expense Tracker and Spending Tracker: Log purchases, categorize transactions, and spot patterns.

- Income Tracker: Add paychecks and other income so your budget matches real cash flow.

- Bills Tracker: Track bills, subscriptions, and recurring payments with reminders.

- Bank Statement Import: Add transactions manually or import transactions from a CSV bank statement.

- Koody AI: Chat with your money to think through goals, cash flow, and spending decisions.

- Receipts: Upload receipts to keep records in one place.

- Forecasting and Insights: Preview upcoming spending and understand where your money goes.

- Currency and Tax: Choose your preferred currency and estimate your tax bill.

HOW KOODY WORKS
1. SET UP YOUR ACCOUNTS
Create your manual banks and accounts (checking, savings, cash, etc.). Koody is a budget app with no bank account connection, so you stay in control.

2. TRACK INCOME & EXPENSES
Add income and expenses as they happen, or upload/import transactions from your bank statements or another budgeting app. Categorize spending, understand cash flow, and keep everything organized.

3. STAY ON PLAN
Create a monthly budget or paycheck-aligned budget, set goals, monitor bills, and track progress over time. Use forecasts to avoid overdrafts and keep your plan aligned with payday.

Koody is designed for singles, students, couples, and anyone who wants a clean personal finance tracker without giving out bank credentials. It also works great for:
- Shared budgets - couples budgeting with separate accounts
- Household budgeting with a shared dashboard
- Families who want shared visibility with permissions
- Roommates who want fair bill splitting and shared bill tracking

PRICING & PLANS
FREE PLAN:
1. No bank connection required
2. Manually input transactions
3. Add bank accounts
4. Track spending (up to 1 year)
5. Track income (up to 1 year)
6. Categorize transactions
7. Choose your preferred currency
8. Monitor subscriptions or bills
9. Get reminders for upcoming transactions
10. Gain spending insights
11. Forecast transactions to avoid overdrafts
12. Upload receipts
13. Estimate your tax bill
14. Access on mobile and desktop

STANDARD PLAN:
1. Everything in Free
2. Track spending (up to 3 years)
3. Track income (up to 3 years)
4. Add new categories
5. Auto-generate recurring transactions
6. Create and manage budgets
7. Sync budgets with your payday
8. Invite family or friends to collaborate
9. Set permissions for viewing, editing, or managing budgets

PLUS PLAN:
1. Everything in Standard
2. Import transactions from bank statements
3. Track spending (unlimited years)
4. Track income (unlimited years)
5. Automatic transaction categorization
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.

Download Koody today and start building a budget without connecting your bank accounts.

Koody, Inc.

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