Budget by Koody: Budgeting App 4+

Budget and Spending Tracker

Koody Limited

Designed for iPhone

    • 4.5 • 15 Ratings
    • Free

iPhone Screenshots


Looking for a free budgeting app to help you stay on top of your finances? Budget by Koody is your solution to personal budgeting without connecting your bank accounts.

Budget by Koody is a free manual budgeting and money management app that offers a simple and personalised approach to keeping you on track with your finances, giving you complete control to account for your expenses and monitor your spending habits over time.

With Budget by Koody, you can set budgets, track spending, categorise expenses and create and manage savings goals - all without connecting your bank accounts.

The app is suitable for most people, including singles, couples and students. You do not need to link your bank account to access Budget by Koody. Simply download the app and start budgeting free of charge.

Here are the app’s core features:

Budget by Koody gives you total control to input your transactions yourself.

It is a manual budgeting app that does not require you to sync your bank account or share sensitive data, so you’ll rest easy knowing that the money in your account is untouched, safe and secure.

The spending tracker feature on Budget by Koody gives you total control over your budget so that you can account for every transaction in as much detail as you'd like. You can enter your own personalised titles, input specific amounts down to the penny, store your receipts digitally and add personal notes to each manual transaction.

Use Budget by Koody to pre-plan or forecast your bank transactions and help you avoid any overdrafts, all without the need to connect your bank account.

Budget by Koody allows you to input monthly spending limits into twenty different budget categories, ranging from Groceries, Rent and Household Bills to the more personal expenses such as Drinking and Eating Out. You can also take advantage of the 'Miscellaneous' category to input expenses that may not suit any of the existing categories.

You may also customise your spending categories with an image of your choice to make the app personal to you or to help incentivise your savings.

Budget by Koody empowers you to monitor your progress and spending habits through the app's stored historical data, where you can track expenses dating back several months and use them to set new goals.

You will also receive a continually updated overview of your monthly spending, with a reminder of your total monthly budget, total monthly spend and remaining daily spending limit to keep you within your budget.

A savings goal can make it easier to put money aside on a regular basis. Budget by Koody allows you to set as many savings goals as you wish and log all savings towards each goal.

View all your upcoming expenses, such as household bills and subscriptions.

Simply set your payment frequency and let Budget by Koody do the rest. Choose from weekly, bi-weekly, monthly, quarterly or yearly payment frequencies.

Filter your expense reminders by date for ease of access, or simply track them all in one place.

With Budget by Koody's Receipts feature, you won't have to continually fish for receipts at the bottom of your bag, risk misplacing them or worry about the all too familiar problem of your receipt ink fading.

Simply snap a photo of your receipts and store them digitally so that you can access them at any time, all in one place.

Your digital receipts will give you a reliable paper trail of your expenses, helping you fact-check and keep your budgets accurate.

Budget by Koody is available in £, $ and €.

Use Budget by Koody's handy 'Discover' tab to access a host of personal finance resources and guides. Learn about Investing, Pensions, Savings, Cryptocurrencies and more to keep informed and kickstart your journey towards financial freedom.

What’s New

Version 1.2

We are really excited about this new update, Budget by Koody v1.2. It’s faster, smarter and much better. We hope you enjoy it!

Ratings and Reviews

4.5 out of 5
15 Ratings

15 Ratings

girl#1 ,

Extremely helpful, life changing even

This is a great app. Very easy to use and clear, high quality visuals, and I like the fact you don’t need to link your bank account to use it, so it doesn’t feel invasive. It’s helped me make much better financial decisions including being mindful of how the little pennies spent here and there soon add up; being organised with shopping and budgeting ahead of time; observing exactly what areas of my life I am spending too much or not enough, and so on. I can honestly say in my 34 years this is the first time I have ever enjoyed budgeting. I think in large it’s because this app is quite fun, and not too dry in its style. There are a lot of extra tools and links it recommends too if you need further info about budgeting. I highly recommend this app, 10 out of 10, thank you

StangurlO ,

The Koody app saved me

I started using Koody in August 2021 because I was struggling financially, and it has not only saved me but also changed my life. Koody has brought me so close to my money that I now understand in great detail how I spend every penny. The app is like a personal diary of all my financial activities. It keeps me very close to my money and helps me make better financial choices. I now know what transactions cause problems for me and the ones that do not. I can predict what expenses will take me over my budget and how certain decisions will mess up my finances.

Overall, the app could use some more features, but for a free app, it is fantastic. I am truly grateful and couldn’t possibly ask for more.

C40cr2 ,

Great free budgeting app

I seldom write all reviews, but what a great free budgeting app! This app can be as simple as you want it to be really (I tried others which were too complicated and insisted on being linked to my internet banking which I was not comfortable doing). Even the customer service is great; I managed to delete all of the budgeting categories and couldn’t get them back so I sent the Koody team a message not really expecting a response but they came straight back and fixed the problem.

App Privacy

The developer, Koody Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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