# Kob Budget — Paycheck, bills & debt planner

> Zero-based budgeting app for paycheck, bills, debt, and savings management. (iPhone/iPad app by Bohio Enterprises, LLC.)

- Source: https://appshunter.io/ios/app/kob-budget/id6822946841 (this page in markdown: same URL + `.md`)
- Developer: [Bohio Enterprises, LLC](https://appshunter.io/developer/6822946843)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 3 MB
- Languages: American English, French (France)
- Released: 2026-11-02
- Data updated: 2026-11-13
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/kob-budget/id6822946841/reviews.md

## What is Kob Budget?

Kob helps you stay on budget. Give every dollar of your paycheck a job, keep your bills and debts on schedule, and always know what's safe to spend today.

EVERY DOLLAR A JOB Kob uses zero-based budgeting. Split each month's income between spending, bills, debt payments and savings until nothing is left unassigned. You decide where your money goes before you spend it.

KNOW WHAT'S SAFE TO SPEND Kob sets aside everything you've planned, from rent to savings goals, and shows how much you can spend today without falling behind.

PLAN MONTH BY MONTH Each month has its own plan. Plan next month ahead of time, copy last month's plan, or start fresh. Change one month without touching the others.

BILLS AND SUBSCRIPTIONS Track what's due and what's paid. Amounts can change from month to month, and you can skip a month or add a one-time bill. Get a reminder the day before and on the day each bill is due.

PAY DOWN DEBT Track credit cards, loans and buy-now-pay-later plans. Kob adds interest daily, lets you pay monthly or every two weeks, and shows when you'll be debt-free. Skip a month's payment or move it to next month, and see what's left on a partly paid one.

SAVE FOR YOUR GOALS Set goals with your own emoji and watch your progress grow.

YOUR PAYCHECK, ON SCHEDULE Tell Kob when you get paid, weekly, every two weeks or monthly, and your income is added on payday. Change or skip a single payday, and set a different amount for a month's third paycheck.

LOG APPLE PAY PURCHASES AUTOMATICALLY Set up a Shortcuts automation once, and every tap-to-pay purchase is logged with its merchant and a category Kob learns over time.

IN ENGLISH OR FRENCH Kob follows your iPhone's language, or pick one for Kob alone in iPhone Settings.

PRIVATE BY DESIGN No account. No bank login. No ads or tracking. Your budget is stored on your iPhone, and you can lock Kob with Face ID and back up your data to a file anytime.

SUBSCRIPTION Kob is free to try for 2 weeks. After that, subscribe monthly or yearly to keep adding and changing your budget. Without a subscription, Kob is read-only: you can still see and export everything. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://bohioenterprises.com/privacy

## Key features

- Zero-based budgeting
- Bill and debt tracking
- Savings goal setting
- Paycheck scheduling
- Automatic purchase logging
- Monthly budget planning

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Kob Monthly | $7.99 | per month |
| Kob Yearly | $69.99 | per year |


## Is Kob Budget safe?

Not enough ratings yet to assess Kob Budget.

## Is Kob Budget legit?

Kob Budget has limited verification signals. The AppsHunter Legitimacy Score for Kob Budget is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/kob-budget/id6822946841/reviews.md

### 5/5 — Best budgeting app so far

*2026-11-03*

This is by far one of the best budgeting apps I’ve ever used. I like the apple pay automation and the fact that all the data stays on my phone. Keep it up!

## Frequently asked questions about Kob Budget

### How does Kob Budget use zero-based budgeting?

Kob Budget uses zero-based budgeting by requiring you to assign every dollar of your income to specific categories like spending, bills, debt payments, or savings until no money is left unassigned. This ensures you consciously decide where your money goes before you spend it.

### What are the subscription options for Kob Budget?

Kob Budget offers a free 2-week trial. After the trial, you can subscribe monthly for $7.99 or yearly for $69.99 to continue adding and changing your budget. Without a subscription, the app becomes read-only.

### Is Kob Budget secure and private?

Yes, Kob Budget is designed for privacy. It requires no account, no bank login, and has no ads or tracking. Your budget data is stored locally on your iPhone, and you can lock the app with Face ID and back up your data to a file.

### Can Kob Budget track bills and debts?

Yes, Kob Budget allows you to track bills and subscriptions, including due dates and payment status. It also tracks credit cards, loans, and buy-now-pay-later plans, factoring in daily interest and showing your estimated debt-free date.

### How often is Kob Budget updated?

Kob Budget was last updated on 2026-11-12 with version 1.1.1. The release date was 2026-11-02, indicating regular updates to improve functionality and reliability.

### What devices does Kob Budget support?

Kob Budget is currently supported on iPhone devices. It follows your iPhone's language settings or can be set to English or French independently.

### How do I cancel my Kob Budget subscription?

Subscriptions for Kob Budget renew automatically unless canceled at least 24 hours before the current period ends. You can manage or cancel your subscription anytime within your Apple Account settings.

### What is the user sentiment for Kob Budget based on ratings?

Kob Budget has a perfect rating of 5.0 stars from 1 rating, indicating a highly positive initial user experience. This suggests users are very satisfied with its features and functionality.

## Version history (last 3 releases)

### 1.1.1 — 2026-11-12

Kob's App Store name is now Kob Budget. It's the same app: your budget, bills, debts and goals stay exactly as they were.

Also new:
• A calendar on the Bills tab shows every bill, subscription and debt payment on its due date, with the amount under the day. Tap a day to see what's due and mark it paid.
• Small text updates.

### 1.1 — 2026-11-03

Kob is now in French. If your iPhone is set to French, Kob opens in French; to switch just Kob, go to Settings > Language in Kob.

Also new: • Change or skip a single payday, and set a different amount for a month's third paycheck. • Long-press a debt on the Bills tab to change or skip that month's payment, or move it to next month. • Partly paid debts show what's left, and Kob asks about last month's missed payments. • Budget, Spending and Bills now show the same month. • Fixes and improvements

### 1.0 — 2026-11-02

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-13.*