# Kostivo – Budget Planner — Family expense tracker

> Family expense tracker (iPhone/iPad app by Steffen Brand.)

- Source: https://appshunter.io/ios/app/kostivo-budget-planner/id6762099146 (this page in markdown: same URL + `.md`)
- Developer: [Steffen Brand](https://appshunter.io/developer/1892899052)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 34 MB
- Languages: American English
- Released: 2026-04-14
- Data updated: 2026-09-14
- User reviews in markdown: https://appshunter.io/ios/app/kostivo-budget-planner/id6762099146/reviews.md

## What is Kostivo?

Kostivo is the finance planner for singles, couples and families. Record your income and fixed costs, plan your budgets — and track every expense. You'll get to know your spending habits and stay in control.

KOSTIPRO — LESS TYPING, MORE TRACKING
- Speak instead of typing: Tell it your whole shopping trip in one go. Kostivo recognizes each expense individually, shows it right away and saves everything with one click.
- Tell the coach: A chat that knows your numbers: ask what you can afford — or just say what happened, from the shopping trip to the raise to the subscription you cancelled. The coach proposes the change, you confirm it with one tap.
- Scan receipts: Snap a photo of the receipt — amount, date and budget are already filled in.
- Smart Insights: At the end of the month, a recap: what changed, where you stand and what could go better.
- Quick voice tracking: Tap, say the expense, done. For that one coffee in between.
New families try KostiPro free for 7 days.

ALWAYS FREE
- Household book with custom budget categories
- Shared finances for the whole family
- Balance view with income, fixed costs and variable spending
- Timeline overview for loans and contracts
- Statistics: trends, savings rate and money flow
- Manage multiple families or households

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Terms and Conditions: https://kostivo.de/agb

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| KostiPro Monthly | $3.99 | per month |
| KostiPro Yearly | $29.99 | per year |
| KostiPro Yearly | $22.49 | per year |



## Version history (last 5 releases)

### 1.23.1 — 2026-09-09

- The coach walks new families through setup: a guided interview turns your answers into incomes, fixed costs and budgets
- Budget suggestions: starter budgets computed from your income, added in one tap
- The coach can read its answers aloud — with a mute toggle in the composer
- Larger, easier-to-read text throughout the app
- A cleaner light mode: brighter pages with clearly separated cards
- The three tracking methods (Classic, Coach, Voice) share one consistent full-screen layout
- Fixed: tab labels in the bottom navigation no longer wrap in some languages

### 1.22.0 — 2026-09-02

New in the Household Book: move expenses by holding and dragging.

Hold an expense for a moment – the view collapses into narrow targets, and you drag the expense onto another day or into another budget. To delete it, drag it into the red zone at the bottom.

### 1.21.1 — 2026-09-01

- Fixed: ending a budget via a KostiCoach proposal failed on confirmation — now works reliably
- The App Store page now shows all 8 supported languages (German, English, Turkish, French, Spanish, Italian, Dutch, Polish) instead of English only
- Stability improvements under the hood

### 1.21.0 — 2026-08-31

- New: the coach — a chat that knows your numbers. Ask what you can afford and get live streamed answers (KostiPro)
- The coach proposes changes: review the card, confirm with one tap — nothing changes without you
- The coach looks into your bookings and breaks spending down by budget
- Coach as a tracking mode: the plus button opens the chat directly
- All three tracking flows in one unified full-screen design
- Daily limits now say when to come back — instead of a connection error
- Fixed: correcting a one-off income created a duplicate

### 1.19.0 — 2026-08-26

- Household Book: new "Recent" view — the last 7 days, grouped by day, each day with its own total
- Voice tracking: one tap starts, another tap stops — no more holding, with a 30-second limit
- The Standard/Voice switch now sits right inside the tracking flow, not only in Settings
- The Inbox reminds you when your trial is ending, with a countdown and the loyalty price
- Voice recognition runs on a single AI model and responds faster
- The way out of the KostiPro screens is labelled and says where it leads
- Inbox messages and invitations read as one list instead of two half-finished designs
- Fixed: a transferred subscription applies instantly, a refund ends access immediately
- Fixed: the microphone could keep running after you left the screen
- Fixed: the Inbox sometimes showed stale counts

---

*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 2026-09-14.*