What does Money Koi cost?
The budget book is free, with no time limit. Pro is a one-time purchase for the power features, and Cloud adds sync, shared books and the web — monthly, yearly or once. Current prices are on the pricing page.
What is free?
The whole budget book: bookings, quick add, the receipt scanner, budgets, income and savings goals, loans, recurring bookings, the Budget Book with its calendar, tags, the balance check, reminders and Android widgets. Free has no time limit and needs no account.
What does Pro add?
Analytics, the forecast, investments, shopping lists, an own Home layout and bottom bar, every export (CSV, PDF and ZIP) and backup files. Pro is paid once, works offline and needs no account.
What does Cloud add?
Everything in Pro, plus sync across devices, an automatic backup on EU servers, receipt photos in the cloud, shared books, up to three own books and the web dashboard. Monthly, yearly and lifetime Cloud all unlock the same.
Do invited people need to pay?
No. Everyone invited into a Cloud book uses every feature inside that book at no cost. In their own books, their own plan applies.
What happens when a plan ends?
Nothing is deleted or hidden. All data stays readable; only adding and editing in paid features locks. When Cloud ends, sync pauses and the phone keeps working on its own.
Is there a free trial?
Yes. Yearly Cloud starts with one month free, and the store shows when billing begins before anything is confirmed.
How is Cloud cancelled?
In the store account at Google Play or the App Store, at any time. Monthly and yearly Cloud renew until cancelled, and the plan stays active until the end of the period already paid for.
Can Pro be upgraded to Cloud?
Yes. Every Cloud plan is open to Pro owners, and Cloud lifetime comes as an upgrade with the Pro purchase already deducted.
Why is Cloud a subscription?
Sync, backup and the web run on servers that cost money every month. Paying once is still possible with Cloud lifetime.
What do early adopters get?
Every account created before 8 November 2026 keeps Cloud for life, at no cost and without a subscription.