Features
From the receipt in the pocket to the gold in the safe — a calm, private budget book that grows as needs grow. On the phone, all of it works offline.
Free unless marked: Pro a one-time purchase, Cloud sync, sharing and the web.
Plans and prices01 Everyday
The small things of every day, made quick and quiet.
Point the camera at a receipt: text recognition on the phone reads merchant, date, total and each line, and checks that it all adds up to the printed total.
The amount on the app’s own calculator keypad, the category from favourites or the list, the description from the recent ones, saved. The booking is in the book at once.
One line such as “12 lunch yesterday” is enough — Money Koi fills in amount, category, account and date. Booking takes seconds, not a form.
Eight widgets for the Android home screen — for a new booking, a quick add, scanning a receipt, or keeping an eye on balance, budget, goal or shopping list.
Labels across categories, each with its own totals. Trip mode tags every new booking for the length of a trip.
Parent and subcategories with icons and favorites, marked as fixed or variable, and hidden once no longer needed.
Cash, bank, cards and more, each with a starting balance — credit cards and loans count as liabilities.
Opt-in nudges for due bills, passed budgets, goals, loans, the monthly balance check and days without an entry — kept in an inbox.
Bookings, categories, accounts, goals and loans in one search field.
Undo right after deleting, or restore bookings from the trash for 30 days.
One list per store with its own icon, quantities read from the text, and an item booked as an expense with a swipe.
Add, remove and reorder Home cards, start from four presets, and choose the tabs of the bottom bar.
02 Planning
Budgets, goals and a clear view of what’s coming.
A budget per category, per group or for the whole book. Money Koi shows what’s still left and suggests realistic limits from past months.
A holiday, a new laptop, a cushion for emergencies: savings goals fill up with progress rings, round-ups and automatic contributions. Loans get a payoff plan too.
The forecast adds up recurring bookings, budgets and planned payments and draws the balance day by day, up to two years ahead. One figure says what is safe to spend until payday.
A target for what should come in each week, month or year, measured against what actually arrives.
Money borrowed or lent, payments split into principal and interest, a payoff simulator and a strategy for several debts.
Plans a month from the income, compares it with 50/30/20 and turns the result into budgets in one step — the same calculator as on this website.
Rent, subscriptions and salary set up once and shown as upcoming for the next twelve months. Any booking can repeat.
The budget month can begin on any day from the 1st to the 28th — for example when the salary arrives.
Real account balances counted from time to time. Each difference becomes its own correction and stays out of the spending figures.
03 Overview
The Budget Book for every day, Analytics for the bigger picture.
The Budget Book shows a month, a week, a year or any range: a summary by category, every transaction by day, and a calendar with money in and out per day. Filters narrow it down by account, category, member, tag or cost type.
Breakdowns by category and subcategory, trends, period comparisons, top merchants, a spending heatmap and net worth over time — charts that inform instead of shout.
Money in and out for every day, as a week, month or year view.
One tap on a category shows its trend and every booking behind it.
Net worth over time including investments, fixed versus variable costs, and a few calm sentences on what stands out.
04 Investing Pro
What is owned, right next to what is spent.
Value versus cost, gains and losses, and the real return (XIRR). An allocation chart with a target mix shows calmly when it’s time to rebalance.
Precious metals and crypto are valued with daily market prices, metals with history back to 2010. Everything else — a flat, a car, a collection — is valued by hand.
Fees and income recorded, and a note of where each position is stored or held.
05 Together Cloud
A book shared with the household, the personal one kept private. Only the owner of a shared book needs Cloud.
The personal book stays private, and a family book is shared with the household. Invitations go out as a link, each person gets a role, and the book shows who spent what.
Everyone invited into a Cloud book uses every feature inside it, at no cost.
Owner, admin and member — each role can do exactly what it should.
Invitations go out as a link, and each book gets its own photo.
Each booking shows who added it, and the Budget Book filters by member.
Separate books for the household, a shared trip or a side project, each with its own accounts and categories — switched with a swipe.
06 Web Cloud
my.moneykoi.com picks up where the phone left off. The web dashboard is part of Cloud.
With Cloud, my.moneykoi.com shows the book on the big screen — bookings, budgets, goals, analytics and investments, in sync with the phone. A QR code signs the computer in.
A QR code on the computer, approved inside the app — no password needed.
Pages, actions and search in one keyboard menu, plus single keys for a new booking, quick entry or a receipt.
Several bookings selected and changed in one go — tags, category, account, date or description — or deleted together.
Every shopping list side by side, with items dragged from one list to another.
The book’s balance day by day, from the last week to a whole year or a custom range.
The filters of the bookings list and the analytics period live in the address — a bookmark reopens the same view.
07 Privacy & control
Private by the way it’s built — and easy to take along.
The app locks with a PIN, a fingerprint or both, and every amount stays blurred until tapped — handy when someone else is looking at the screen.
The book lives on the phone from the first tap — no sign-up, no email, and Money Koi’s server never receives it.
Everything is saved on the phone first. With Cloud, it syncs once the connection is back.
Receipts are read on the device, and no AI service sees the photo or its text.
Sent only after a clear yes, to Money Koi’s own server — never amounts, names or text. Withdrawing erases them.
08 Data & sync
Bringing data in costs nothing: a CSV import and restoring a backup are free on every plan. Exports come with Pro.
Bookings from a bank’s CSV export, another app or a spreadsheet, with columns recognized in English, German and Japanese.
A backup file brings a book back on any plan — as a new book, or onto a new phone.
A whole book as a ZIP of CSV files, or one download across all books.
The whole book in one file, optionally with receipt photos and a passphrase, plus a reminder.
Filtered bookings as CSV, and reports from the Budget Book and Analytics as CSV or PDF.
Every phone and tablet up to date in real time, with an automatic backup on EU servers.
Scanned receipt photos stored with the book and there on every device. The upload can be switched off per device.
The budget book costs nothing. Pro and Cloud add the rest — and the roadmap shows what comes next.
