Kostly: Bills & Subscriptions

Kostly is a bill organizer, subscription manager and expense tracker in one — a simple budget app that runs on your phone. No bank login. No account. Your expenses stay on the device.

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FIND THE SUBSCRIPTIONS YOU FORGOT
Import a CSV statement from your bank or card. Kostly reads it on the device, groups the charges by merchant, and works out which ones repeat on a cycle. The bills and subscriptions it finds come out the other side as one list. It shows you the evidence — the real dates and amounts — and you confirm every match before it counts, so a one-off payment is never filed as recurring. There is no typing twenty services in by hand, and no credential to hand to anybody.

★ REMINDERS THAT ACTUALLY FIRE
Any subscription manager can show you a list; the job that matters is telling you before the money goes. Reminders land before you are charged, not after: two days ahead by default, or any number of days you choose. Free trials get one before the first charge. Kostly flags a subscription when its price goes up, and keeps a short cancel guide for each service so you are not hunting through a website at midnight. A bill organizer is only worth having if the reminder arrives, so Settings shows what is scheduled on this phone and sends a test notification — the reminder is something you can check rather than hope for.

★ AN EXPENSE TRACKER YOU WILL ACTUALLY KEEP
Adding something takes two taps: the amount, then the category. Day, week, month and year views each carry their own total, categories rank by spend and open to the expenses behind them, and with Kostly Full any entry can carry a photo of the receipt. Kostly works as a plain expense tracker with no import at all, and adding an expense is never gated.

★ A BUDGET APP AND MONEY PLANNER FOR THE MONTH
Set out what comes in, your fixed costs and what you set aside, and this budget app shows what is left to spend. Spending caps per category speak up at 80% and again at the line, never before. Savings jars take a target and a date and work out the monthly amount for you. It is the simple money planner part most people give up on, reduced to four screens.

★ TRIPS
A trip gets its own total and a line for flights, hotel and food, measured against what you actually spend as it runs. Leave trip spending out of your monthly caps so one holiday does not wreck them.

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WHAT YOU GET
✓ A bill organizer: what repeats, what it costs a month, and what is next
✓ A subscription manager built from your own statement, not from a form
✓ A simple expense tracker with day, week, month and year views
✓ Receipt photos, kept with the expense they belong to (Kostly Full)
✓ Spending caps and savings jars
✓ Per-trip tracking with its own travel budget
✓ CSV import and CSV export, because the data is yours

FREE, OR KOSTLY FULL
Always free: unlimited manual expenses, every view and category, export, backup, dark mode, one statement import and three tracked subscriptions. Kostly Full adds unlimited statement imports and tracked subscriptions with their reminders, your own categorisation rules and receipt photos. Choose a monthly or annual subscription, or a one-time lifetime purchase. Payment is charged to your Google Play account. Subscriptions renew automatically unless cancelled; manage or cancel them in your Google Play account settings.

PRIVATE BY DESIGN
No bank credentials and no sign-up. Statement files are read and not kept — only the expenses you confirmed. Export a CSV or a full backup whenever you like, and restore it on a new phone.

Most apps make you choose: a subscription manager that wants your bank login, or a bill organizer that makes you type everything twice. Kostly reads one file you already have and does both — a bill organizer, a subscription manager and an expense tracker in one list you can keep up with.

Privacy Policy: https://techspells.com/kostly/privacy
Terms of Use: https://techspells.com/kostly/terms

Recent changes:
Welcome to Kostly, a simple way to see where your money goes.
• Log an expense in two taps and see spending by day, week, month and year
• Import a CSV bank or card statement and Kostly finds the charges that repeat, with a reminder before renewals and free trials
• Monthly caps, fixed costs and loans that end, savings jars
• Trips keep holiday spending apart and share its costs by category
• 15 languages. No bank login, no account