Budget by Koody 4+

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:

NO BANKING INFO REQUIRED
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.

TRACK SPENDING
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.

CATEGORISE EXPENSES
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.

GET SPENDING INSIGHTS
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.

SET SAVINGS GOALS
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 REMINDERS
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.

UPLOAD RECEIPTS
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.

SELECT FROM THREE CURRENCIES
Budget by Koody is available in £, $ and €.

DISCOVER LEARNING RESOURCES
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.