Pricing

Budgeting stays free.

The full budget book costs nothing, on one phone and without an account. Pro adds the power features for a single payment. Cloud adds sync, shared books and the web.

Free

The full budget book on one phone. No account, no time limit, no ads.

€0for good

No account needed — the book stays on the phone.

Included

  • Receipt scanner that reads on the phone
  • Quick add, calculator keypad and transfers
  • Budgets, income goals, savings goals and loans
  • Recurring bookings with bill reminders
  • Budget Book with calendar, filters and search
  • Tags, trip mode and balance check
  • Eight Android widgets
  • App lock and hidden amounts
  • CSV import and restoring a backup

Pro

Every power feature on the phone. One payment, works offline, no account needed.

€24.99once

Bought once in the app. Not a subscription.

Everything in Free, plus

  • Analytics with trends, comparisons and insights
  • Forecast with safe to spend until payday
  • Investments: metals and crypto at daily prices
  • Shopping lists, booked with a swipe
  • Own Home layout, four presets and own bottom bar
  • Every export: CSV, PDF and a whole book as ZIP
  • Backup files with an optional passphrase

Cloud

Sync across devices, shared books and the web. The price covers the servers.

€49.99once

Lifetime · no subscription Cheaper than yearly from year 3 on.

Launch price until 16 January 2027, then €69.99

Or as a subscription

Monthly
€2.99per month
Yearly
€24.99per year

1 month freesaves 30 %

Everything in Pro, plus

  • Sync across phones and tablets, in real time
  • Automatic backup on EU servers
  • Receipt photos stored with the book
  • Shared books with invite links and roles
  • Up to three own books
  • Web dashboard at my.moneykoi.com

Everyone invited into a Cloud book gets every feature inside it, at no cost.

Pro already bought? Then Cloud lifetime costs €24.99 until 16 January 2027, then €44.99.

  • Pro and Cloud go on sale on 8 November 2026. Until then, every feature is open at no cost.
  • Prices in euros, VAT included. Google Play and the App Store charge the local price of each country and show it before the purchase.
  • Monthly and yearly Cloud renew automatically until cancelled in the store account, which is possible at any time.
  • “Lifetime” means for as long as Money Koi Cloud runs.
  • Accounts created before 8 November 2026 keep Cloud for life, at no cost.
Get it onGoogle PlayComing soonApp Store

Cloud and shared books

Cloud belongs to the book.

Only the owner pays for a Cloud book. Everyone invited uses every feature inside it without paying anything — in their own books, their own plan applies.

  • One Cloud plan covers the whole household
  • Invited people need only a free account
  • If the plan ends, the book stops syncing and stays readable

Household

Cloud
  • AAnnaPays for Cloud
  • BBenFree account
  • LLeaFree account

Every feature, for everyone in the book

Fair by design

What stays true on every plan

  • Budgeting stays free

    Bookings, the scanner, budgets, goals and the Budget Book cost nothing — no time limit, no ads.

  • Bringing data in is free

    A CSV import and restoring a backup cost nothing on every plan — a book can always come back.

  • Nothing disappears

    When a plan ends, everything stays readable. Only adding and editing in paid features locks.

  • Pro without an account

    Pro is bought once through the store, works offline and needs no sign-up.

  • Never paid twice

    Pro owners get Cloud lifetime as an upgrade, with the Pro purchase already deducted.

  • Features only move down

    After launch, a feature can move to a cheaper plan — never to a more expensive one.

Every feature, with its plan

Questions

Questions about plans

All questions & answers
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.