# Koody - Budget & Bill Tracker — AI Money Manager and Assistant > AI-powered personal finance manager for budgeting, spending, and saving. (iPhone/iPad app by Koody, Inc..) - Source: https://appshunter.io/ios/app/koody-budget-and-bill-tracker/id1602912252 (this page in markdown: same URL + `.md`) - Developer: [Koody, Inc.](https://appshunter.io/developer/1856300835) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.80/5 from 21 App Store ratings · 18 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 32 MB - Languages: American English - Released: 2022-01-06 - Data updated: 2026-08-24 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/koody-budget-and-bill-tracker/id1602912252/reviews.md ## What is Koody? 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 categorized automatically from transaction details, helping you quickly see where your money 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, auto-categorize transactions, create goals, track progress, 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. Input transactions manually 2. Add bank accounts 3. Track spending and income (up to 1 year) 4. Categorize transactions 5. Monitor subscriptions or bills 6. Koody AI 7. Upload receipts 8. Estimate your tax bill 9. Access on mobile and desktop STANDARD PLAN: 1. Everything in Free 2. Track spending and income (up to 3 years) 3. Add new categories 4. Auto-generate recurring transactions 5. Export transactions (CSV, Excel, JSON) 6. Create and manage budgets 7. Sync budgets with your payday 8. Create recurring budgets 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. 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. Privacy Policy: https://koody.com/privacy Terms of Use: https://koody.com/terms ## Key features - Manual transaction entry - Bank statement import - AI financial assistant - Budget creation and tracking - Bill and subscription monitoring - Collaboration with family/friends - Transaction categorization ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Standard Monthly | $2.99 | per month | | Plus Monthly | $4.99 | per month | | Standard Yearly | $32.49 | per year | | Plus Yearly | $53.90 | per year | ## Recent user reviews (10 of 18) All indexed reviews: https://appshunter.io/ios/app/koody-budget-and-bill-tracker/id1602912252/reviews.md ### 4/5 — Loving it so far but *2026-03-31* Can you pls add in the reccurung bills a custom edit, I have a bill that comes off every 3 monthly and sadly I can put it in there cos there’s only monthly weekly daily yearly etc give us an option to custom edit. Thank you **Developer response:** Thanks so much for the review and for the feedback. You can already set a bill that comes out every 3 months by choosing "Quarterly" in the recurring frequency options. We can also see how that might not have been obvious, so we really appreciate you pointing it out. We’ll look at making that clearer in the app. Thanks again. - Hallie from Koody ### 5/5 — Excellent budgeting app *2025-07-16* Koody is by far the best budgeting app I have ever used. It has an incredible way of making you committed to budgeting and tracking your finances. I’ve been using it for years, and it has since become my personal finance diary. I can’t go anywhere without it. It truly is a great app. 10/10! ### 5/5 — Excellent budgeting app *2025-07-10* Koody is by far the best budgeting app I have ever used. It has an incredible way of making you committed to budgeting and tracking your finances. I’ve been using it for years, and it has since become my personal finance diary. I can’t go anywhere without it. It truly is a great app. 10/10! ### 5/5 — Excellent budgeting app *2025-07-09* Koody is by far the best budgeting app I have ever used. It has an incredible way of making you committed to budgeting and tracking your finances. I’ve been using it for years and it has since become my personal finance diary. I can’t go anywhere without it. It truly is a great app. 10/10! ### 1/5 — Deleted all data *2025-06-30* Since this new update, my account and all previous data was deleted. Will no longer use as the update makes it exactly the same as every other money tracking app out there which I don’t like. **Developer response:** Dear Aliaysta, Thank you for your feedback and for being a part of our app’s community. We’re truly sorry to hear about the challenges you faced. We understand how frustrating this must be, and we’re here to help. To ensure a smooth transition, we’ve previously shared steps to help you migrate your data to the new version of the app, and we’d be happy to guide you through the process again if needed. As a gesture of our appreciation for your support, we’ve offered you a six-month free trial of our premium features, which we hope will enhance your experience with the updated app. We’ve worked to improve the app with new features and a better user experience. Your feedback is invaluable, and we’d love to hear more about what you’d like to see to make the app stand out for you. Please reach out to our support team, and we’ll do everything we can to assist you. Thank you for giving us the opportunity to make this right. Warm regards, Hallie from Koody ### 1/5 — The App become no longer working suddenly *2025-06-27* After using the App for few years, an email was received to inform me my data will be deleted in 30 days because the App need to upgrade to new version. However, the App stopped working and there is no way to review / download my data any more. Therefore, the App is useless. **Developer response:** Dear Raypoiu, Thank you for your feedback and for being a valued user of our app. We’re sorry to hear about the challenges you’ve experienced, and we’d love to help you transition smoothly to our new and improved app. We recently sent an email outlining the steps to migrate your data to the new version of the app to ensure you can continue accessing your historical data.  The new app offers enhanced features and a better user experience, and we’re confident you’ll find it even more valuable for managing your transactions. As part of our upgrade, the older version of the app has been phased out, which is why it’s no longer accessible.  Please reach out to us, and we’ll assist you with the migration or any other questions you may have.  We truly value your continued support and look forward to helping you enjoy the benefits of the new app. Warm regards, Hallie from Koody ### 1/5 — Not the best *2025-04-17* Irritating because you can’t simply add your income date. Budget therefore makes no sense as it counts the rest of the days in the month instead of the days between your income payments. Currently says I can spend x amount over the next 14 days when in fact I get paid in 30 days so it’s incorrect but no way to fix this. Thus useless. ### 5/5 — Simple and effective *2024-09-12* I use this to manage my spending habits and savings on a month to month basis as my Income changes on a monthly basis. The app allows me to change my anticipated monthly income and expenditure so I can clearly see how much I have to spend on a daily basis. It helps me identify if I’m overspending or if I can splash out on a weekend based on my weekly outgoings. I feel more in control of my finances in a simple and effective way on a stand alone app which is what I wanted ### 5/5 — Must recommend to others *2023-11-22* Very user friendly and easy to use. ### 5/5 — amazing! *2023-08-30* Love this app! would highly recommend ## Frequently asked questions about Koody ### How secure is Koody with my financial data? Koody allows manual entry and bank statement import without direct bank linking, enhancing security. The app focuses on providing clarity and simplicity in managing your finances, with AI assistance for planning and guidance. ### What are the different subscription plans for Koody? Koody offers a Free plan with basic features. The Standard plan, at $2.99/month or $32.49/year, adds more historical data, custom categories, and collaboration. The Plus plan, at $4.99/month or $53.90/year, includes bank statement import, unlimited history, and advanced AI features. ### Can I use Koody on multiple devices? Yes, Koody is accessible on both mobile and desktop devices, allowing you to manage your finances from wherever you are. The Free plan includes access on mobile and desktop. ### How often is Koody updated? The latest version of Koody is 2.2.2, last updated on March 25, 2026. This indicates a commitment to ongoing development and feature enhancements for users. ### What is the age rating for Koody? Koody has an age rating of 4+, making it suitable for a wide audience. This suggests the content and functionality are appropriate for younger users and families. ### Does Koody support collaboration with others? Yes, the Standard and Plus plans allow you to invite family or friends to collaborate on your budgets. You can also set specific budget permissions for shared accounts. ### What kind of financial guidance does Koody AI offer? Koody AI can help you plan, set goals, and think through spending decisions. It also offers basic guidance on building emergency funds and managing cash flow. ### Can I export my financial data from Koody? Transaction export in CSV, Excel, and JSON formats is available with the Standard and Plus plans. This allows for further analysis or backup of your financial records. ## Version history (last 5 releases) ### 2.2.5 — 2026-05-30 Introducing - Koody AI Agent: Koody AI can now take actions on your behalf. Need to create a new budget or modify an existing one? Ask Koody AI to do it. Need to align an existing budget with your payday? Ask Koody AI to do that, too. We hope you enjoy this new service, and as always, we welcome your feedback! ### 2.2.4 — 2026-04-29 Improved bank statement CSV auto-categorization. ### 2.2.3 — 2026-04-02 Minor bug fixes and performance improvements. ### 2.2.2 — 2026-03-25 Introducing: Import Rules in Settings. You can now view, edit, and delete saved import rules. To modify your saved rules, go to Settings > Import Rules. ### 2.2.1 — 2026-03-22 New: Import Rules in Settings. You can now view, edit, and delete saved import rules, making it easier to correct or update rules created with Apply to Similar. ## Apps similar to Koody | App | Rating | Price | Category | | --- | --- | --- | --- | | [Thriftify](https://appshunter.io/ios/app/thriftify/id6748269001) | — | Free | Finance | | [Bludget](https://appshunter.io/ios/app/bludget/id333212575) | 1.0 (1) | $0.99 | Finance | | [Emma - Budget Planner Tracker](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373) | 4.7 (1,403) | Free | Finance | | [BudgetPlnr](https://appshunter.io/ios/app/budgetplnr/id590508709) | — | Free | Finance | | [uSkint](https://appshunter.io/ios/app/uskint/id1335798129) | — | $1.99 | Finance | | [Budgets Pro - Expense Tracker](https://appshunter.io/ios/app/budgets-pro-expense-tracker/id498102622) | 4.4 (9) | $4.99 | Finance | ## Related topics [koody](https://appshunter.io/ios/topics/koody) · [budget by koody](https://appshunter.io/ios/topics/budget-by-koody) --- *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 2026-08-24.*