BooCoo - Money Trends & Vibes
Spending Tracker. No Budgets.
About
Track your financial health with a unique score that reflects your spending trends and runway. See your net worth and cash flow automatically update, with AI insights to help you understand your money. Connect over 12,000 institutions or use manual imports.
What's New in BooCoo
1.2.16
September 2, 2026
Moving money into savings or investments is not spending, and your runway now reflects that. Taxable investments count toward runway automatically. Retirement accounts stay out unless you opt in, and when you do, BooCoo counts them net of the penalty and tax that early access actually costs. Transfers between your own accounts no longer read as spending in Cash Flow. When a transfer cannot be classified yet, the Runway row shows both readings rather than picking one for you. Fixed: a crash when scrubbing the Overview charts, the chat button covering the walkthrough, and a Vitals score that could open on a stale number.
MoreSubscription plans
Standard Monthly
Up to 6 banks via Plaid. All products.
FAQ
What is the Financial Vitals score in BooCoo?
The Financial Vitals score is a unique metric from 0-100 that synthesizes your financial runway, spending trend, and consistency. It automatically updates each session, with color indicators and the score itself showing your financial standing and direction.
How does BooCoo handle my financial data security?
Your financial data resides on your device and in your personal iCloud, not on BooCoo's servers. The app uses Plaid for connecting to over 12,000 institutions and ensures privacy with AI insights, sharing only aggregated summaries and never individual transactions.
Can I use BooCoo without connecting a bank account?
Yes, BooCoo supports manual account entries and CSV or OFX imports, which are always free. You do not need to connect a bank account or subscribe to start using these features.
What are the subscription plans for BooCoo?
BooCoo offers several subscription tiers including Starter, Standard, and Premium, available on a monthly or yearly basis. The Standard plan includes a 14-day free trial.
How does BooCoo categorize transactions?
BooCoo automatically imports and categorizes every transaction. You can edit, recategorize, or hide transactions that don't fit, and set rules for recurring transactions and bills.
Does BooCoo have ads?
No, BooCoo is ad-free. The app states it makes money from subscriptions, not from analyzing user spending or pitching products.
What devices does BooCoo support?
BooCoo is available on Mac, iPhone, and iPad, making it accessible across Apple's ecosystem.
How often is BooCoo updated?
BooCoo was last updated on September 2, 2026, with version 1.2.16. This indicates a relatively frequent update cycle for the application.
