No bank login · No ads
Free on one phone, with no account and no internet needed. With Cloud, the household shares one book across every device and the browser. One plan covers it; invited members pay nothing.
Free budget book · Android and web now, iOS soon
Discover
Why Money Koi
All data lives in a local database on the phone. Bookings, scans and reports therefore work without a connection and without delay — in airplane mode or a dead zone as well.
Merchant, line items and total are recognized on the phone and shown for review before anything is saved. Text recognition runs without any cloud service.
With Cloud, a shared book for the household runs alongside the private one. Invitations go out by link and roles set the permissions — free for everyone invited.
Who it’s for
Scan a receipt, type one line or book from a widget. Money Koi keeps up with the day.
Inside the app
01 Scan
No more typing receipts. Money Koi turns a photo into clean, categorized bookings in seconds — and checks that every line item adds up to the printed total.
02 Budget book
Income, spending and balance for any month at a glance — broken down by category and subcategory, with charts that inform instead of shout.
03 Offline
Money Koi saves to the device first — a real local database, not a cache. Whatever happens to the connection, the finances stay fast and fully usable.
04 Together New
The personal book stays personal. Next to it, a shared family book collects what the household spends together — groceries, rent, the kids — visible to everyone invited.
Web app
With Cloud, my.moneykoi.com opens in any browser and picks up where the phone left off — dashboard, bookings, analytics, goals, shopping lists and investments, always in sync with the app.
Open the web appData sovereignty
Privacy is not a settings toggle here — it's how Money Koi is built.
Receipts are read on the phone — no cloud service ever analyzes them.
The data lives primarily in a database on the device itself.
With Cloud, backup and multi-device sync run encrypted on EU servers.
The account and every trace of data can be removed in one step.
The phone
No cloud service reads the receipts
With Cloud: EU servers, encrypted
Backup and sync of bookings and receipt photos — photo backup can be switched off
Plans
Pro and Cloud are optional: one payment for the power features, or a plan for sync, shared books and the web.
Plans and pricesFree
€0for good
The full budget book on one phone. No account, no time limit.
Pro
€24.99once
Analytics, forecast, investments and more. Paid once, works offline.
Cloud
from €2.99per month
Everything in Pro, plus sync, shared books and the web.
Yes — completely. Add, edit and scan offline; changes sync once the connection is back.
The reading happens on the phone: text recognition and Money Koi’s own matching logic run offline, and no cloud service ever analyzes the receipt. In a Cloud book, the bookings — and, optionally, the receipt photos — are then backed up encrypted to an EU server.
The budget book is free, with no time limit and no account. Pro adds the power features for a single payment, Cloud adds sync, shared books and the web.
