• ★ Koody - Budget & Bill Tracker
• ★ 2026-04-11
• ★ Questions & Answers

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About Koody - Budget & Bill Tracker

Looking for a budgeting application to support you stay on top of your finances? Koody is a free budgeting application 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 method 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. Anyway you use it, you'll always obtain clarity, simplicity, and support.

STEP 1: ADD YOUR BANK ACCOUNTS
Create your bank and corresponding bank accounts manually with our easy 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 1 fast go. Manually added transactions allow you choose categories on the spot, while imported ones are categorized automatically from transaction details, helping you quickly see where your cash 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, make goals, track progress, invite your partner, and allow the application do the massive 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 cash 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 support you plan, set goals, and think through spending. It can also offer basic guidance on building emergency funds and managing money flow.

Here are Koody's core features:

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

STANDARD PLAN:
1. Everything in Free
2. Track spending and income (up to Three years)
3. Add fresh categories
4. Auto-generate recurring transactions
5. Export transactions (CSV, Excel, JSON)
6. Make and manage budgets
7. Sync budgets with your payday
8. Invite family or mates to collaborate
9. Set budget permissions

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. Hold budgets active indefinitely

Pro Tip: Sign up to have fun the Standard plan free for the 1st month to see if it's right for you. If it's not, cancel anytime. No questions asked.

New Features: Minor bug fixes and performance improvements.

Koody - Budget & Bill Tracker Cheats, Hints, Way to Modify, How to Use & How to Win.