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Koody

Manual-first budgeting and cash-flow tools for households and sole proprietors

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Research-based review, not hands-on testing. Last researched .

Overview

Koody is a no-bank-sync money manager for personal finances and sole proprietors. Track manually for free, build payday-aligned budgets on Standard, or import CSV/PDF statements with automatic categorization on Plus. Business tools include tax set-asides, profit-and-loss reports and accountant-ready exports.

Best for: Freelancers and individuals who prefer importing statements over linking bank accounts and want budgets, tax set-asides and accountant-ready exports

Pros and cons

Pros

  • Works without bank credentials; supports manual transaction entry and CSV/PDF statement imports.
  • Standard includes weekly, biweekly or payday-aligned budgets and transaction exports.
  • Plus adds import auto-categorization, business reports and unlimited transaction history.
  • Includes business categories and tax set-aside tracking for sole proprietors.
  • Free plan supports manual tracking and receipt uploads.

Cons

  • No live bank sync; accounts are entered manually or updated by importing statements.
  • The official pricing grid puts budget creation in Standard ($2.99/month), despite an FAQ saying free users can budget; verify the current plan details before choosing.
  • PDF/CSV statement imports, automatic categorization, unlimited history and business reports require Plus ($4.99/month).
  • Tax-prep tools are US-only; imports and categorization are described as working best in the US, UK, Canada and Australia.
  • Google Play lists 3.2 from about 40 reviews; current App Store rating/count could not be independently verified from the store page extract.

Features

  • Envelope budgeting not confirmed not confirmed
  • Automatic bank sync not confirmed not confirmed
  • Manual transaction entry included
  • Goal tracking included
  • Debt payoff tools not confirmed not confirmed
  • Investment tracking not confirmed not confirmed
  • Bill reminders included
  • Reports & charts included
  • Multi-currency not confirmed not confirmed
  • Shared / household budgets not confirmed not confirmed
  • Separate logins for shared budgets not confirmed not confirmed

AI assistant, statement import, auto-categorization, recurring transactions, subscriptions/bills tracking, receipts, tax set-aside, business categories, exports

Our review

Short version

Koody is a no-bank-sync money manager for personal finances and sole proprietors. Enter transactions manually or import bank and card CSV/PDF statements. Its paid plans add payday-aligned budgets, exports, automated categorization and business reports.

Quick profile, not a full review. Built from vendor pages and public store listings. No hands-on testing: I did not sign up, start a trial or connect a bank.

Cost

  • Free plan: $0/month, with manual tracking, up to one year of history, bills/subscriptions, receipts and tax set-asides.
  • Standard: $2.99/month; the pricing grid includes budget creation, payday syncing and exports.
  • Plus: $4.99/month; adds PDF/CSV imports, automatic categorization, unlimited history and business reports.
  • Google Play listing advertises the first month of Standard free. Annual prices were not visible in retrieved pages.

What stands out

It avoids live bank connections and instead offers manual entry or statement imports. The broader feature set also serves freelancers with business categories, tax set-asides, profit-and-loss reporting and exports.

Caveats

Koody's homepage FAQ says free users can set budgets, but its current pricing grid places budget creation in Standard. I treat the pricing grid as the more specific plan description and flag the conflict rather than assume the FAQ is current. Tax preparation is US-only; imports and automatic categorization are described as working best in the US, UK, Canada and Australia. Google Play showed 3.2 from about 40 reviews at retrieval; store figures can change. App Store rating/count not confirmed from the retrieved listing.

Not confirmed

Exact annual prices; founding year; privacy-policy details (the linked policy did not load as a policy page during retrieval).

Sources

Vendor pricing and feature details: https://koody.com/ and https://koody.com/import-transactions. Android listing: https://play.google.com/store/apps/details?id=com.app.BudgetbyKoody. iOS listing: https://apps.apple.com/us/app/koody-budget-bill-tracker/id1602912252.

Ratings are set separately against a shared rubric.

Sources

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