Local-only Mac app for net worth, spending, investments and options tracking
- Expense tracking
- Financial management
Koody
Manual and import-first money tracker with AI help, aimed at individuals and sole proprietors
Research-based review, not hands-on testing. Last researched .
Overview
Koody is an import-first money manager that does not require a live bank connection. Users add accounts manually or import CSV and PDF statements, get auto-categorization and an AI assistant, and can set spending limits and payday-aligned budgets. It also includes business categories and a tax set-aside calculator aimed at freelancers and sole proprietors.
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 linking a bank; imports CSV or PDF statements and checks new imports for duplicates.
- Budgets can follow a weekly, biweekly, monthly or payday schedule, and an AI assistant can create or adjust them.
- Built-in business categories, tax set-aside tracking and one-click send of exports to an accountant.
- Exports to CSV, Excel and JSON on the Standard plan and above.
- Free plan exists and paid tiers are inexpensive.
Cons
- No live bank sync, so transactions must be entered or imported.
- Free plan limits history to 1 year and lacks budgeting tools per the pricing grid; budget creation is a Standard feature.
- Statement imports and automatic categorization are restricted to the Plus tier ($4.99/month).
- Tax-prep features are US-only; import/categorization works best in US, UK, Canada and Australia.
- Small store footprint: 31 App Store ratings (4.1).
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 an import-first money manager that does not require a live bank connection. Users add accounts manually or import CSV and PDF statements, get auto-categorization and an AI assistant, and can set spending limits and payday-aligned budgets. It also includes business categories and a tax set-aside calculator aimed at freelancers and sole proprietors.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Free $0; Standard $2.99/month; Plus $4.99/month
- Yearly billing saves 10% per site; exact yearly prices not visible in fetched text
- Trial: First month of the Standard plan free (per App Store listing)
Not confirmed
Founding year; Yearly prices; Whether bank sync exists as an option; Debt payoff, investment tracking, shared budgets, multi-currency; Exact date of newest iOS release; Play Store rating.
Notes
Site FAQ says the app is free for budgeting without bank linking, while the pricing grid lists budget creation under Standard; the pages disagree.
Ratings are set separately against a shared rubric.
Koody alternatives
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- Financial management
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