# Koody review

> Manual-first budgeting and cash-flow tools for households and sole proprietors
Source: https://budgetingapps.org/apps/koody (researched 2026-10-15). Research-based review, not hands-on testing.

## Summary

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

## Key facts

- Website: https://koody.com/
- Price: $2.99/month; Yearly billing saves 10% per site; exact yearly prices not visible in fetched text
- Rating: 3.6/5
- Free plan: yes
- Free trial: First month of Standard free, per Google Play listing
- Platforms: Android, iOS, Web
- Budgeting method: Expense tracking, Financial management
- Bank sync: No live sync; accounts are added manually or via CSV/PDF statement import
- Mobile apps: iOS and Android apps plus web
- Import: CSV and PDF statements (Plus tier)
- Multiple budgets: Yes (monthly, weekly, payday, 50/30/20, one-time budgets)
- Team: Koody, Inc.
- Privacy: Says no bank credentials are stored; states data is encrypted and not shared without consent

## Features

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

## 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.

## 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

- [Official product, pricing and FAQ](https://koody.com/) (retrieved 2026-10-15)
- [Official imports and plan details](https://koody.com/import-transactions) (retrieved 2026-10-15)
- [Google Play listing](https://play.google.com/store/apps/details?id=com.app.BudgetbyKoody) (retrieved 2026-10-15)
- [Apple App Store listing](https://apps.apple.com/us/app/koody-budget-bill-tracker/id1602912252) (retrieved 2026-10-15)