Looking for a free budgeting app to help you stay on top of your finances? Koody is your solution to personal budgeting. No bank connection required.

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 automatically sorted for you, helping you understand where your money's 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, create goals, track progress, invite your partner, 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. 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.

Koody, Inc.

Additional Information