Koody - Budget Planner App empowers you to manage money without linking to your bank. Manually enter transactions, track income and expenses, and plan with Koody AI for smarter budgeting across individuals, couples, and households.
Pros & Cons
No bank linking required by default, offering privacy-friendly budgeting.
Flexible plans (Free, Standard, Plus) with progressively more features.
Manual entry plus bank-statement import and receipt uploading for versatility.
Collaborative features to invite family or friends to participate in budgeting.
No automatic bank linking in the Free plan; advanced bank statement import requires higher-tier plans.
Current rating shown as 0.0 with 0 ratings, which may affect early credibility for some users.
About Koody - Budget & Bill Tracker
Koody - Budget & Bill Tracker is a finance app developed by Koody, Inc..
Download Statistics
Koody - Budget & Bill Tracker has been downloaded 6.1 thousand times. In the last 30 days, the app was downloaded 120 times. It is ranked in the top 100 finance apps.
User Ratings
Koody - Budget & Bill Tracker is rated 3.25 out of 5 stars. The rating is based on 36 ratings.
App Information
Koody - Budget & Bill Tracker is FREE to download. The APK download size is 16.65 MB. The latest version available is 2.2.5. The last update was on May 29, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play January 2026.
Description
Looking for a budgeting app to help you stay on top of your finances? Koody is a free budgeting app 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 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.
Recent changes: 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!
Get a detailed PDF report for Koody - Budget & Bill Tracker with download trends, rating history,
and key performance statistics — useful for competitive research or tracking your own app.
Learn more
Are you the developer of this app? Join us for free to see more information about your app and learn how we can help you promote and earn money with your app.
Comments on Koody - Budget & Bill Tracker for Android
★★★★★Emma Jones· Jul 18, 2023
I love that I can budget and track my spending manually without needing to connect the app to a bank account. I also love the feature that allows you to set savings goals and visually displays your progress towards these goals. This app is doing everything I want it to and ticks all the boxes for me.
★★★★☆Lindsey Campbell· Feb 19, 2025
I like the concept. Fairly easy to understand, figure out, and utilize! Very boring /bland aesthetically tho. Couldn't figure out how to delete/hide categories.
★☆☆☆☆Rat Bot· Apr 28, 2026
Installed in phone > requires sign up. Okay let's do that. Enter name, email, etc., "invalid time zone". ??? Let's use a computer instead. Sign up in computer, "invalid time zone". Uninstalled.
★☆☆☆☆Armentero Studios· Aug 26, 2023
You need a profile requirement to use this including your phone number! With picture ID! Who knows what they can do with that information? You don't know if this leaks out any information of yours! That they can sell it for! So yeah uninstalling this now! Don't trust what you fully don't understand!
★☆☆☆☆Colette G· Jan 14, 2022
Absolutely terrible. It sent me round and round in circles from the set-up. Didn't even get past the first 'create your profile part'. Love the idea of it but cannot even use it!
Google Play Rankings for Koody - Budget & Bill Tracker
AppBrain offers valuable information about your app and those of your competitors. Join AppBrain for free and claim this app to view more ranking data, view history etc.
Technologies used by Koody - Budget & Bill Tracker
Koody - Budget & Bill Tracker is requesting 5 permissions and we don't have library information (yet).
Show details
Trust & Safety: Permissions include ACCESS_NETWORK_STATE, INTERNET, com.android.vending.BILLING, com.android.vending.CHECK_LICENSE, and com.app.BudgetbyKoody.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION. The app relies on network access for syncing and updates and supports manual data entry, with no required bank credential storage indicated by the description.
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
