Your money, without spreadsheets.

Dictate an expense, snap the receipt or type it. Koyo files it, tells you how your budget is doing and paints your month day by day.

Try it on AndroidComing soon to Google Play
Assistant chat with two dictated movements.
Koyo home with the month calendar in green and red.
Budgets by category for the month.

  1. Where your money went.

    Koyo groups your spending by category and shows what took the biggest share of the month: rent, groceries, nights out. Below it, how your balance moved day by day, with its highest and lowest point.

    Donut chart “Where it went”: September spending split by category, with Housing and Food & Drinks as the largest.

  2. Your month, in green or red.

    Each day on the calendar is tinted by what came in and what went out. Paydays lift, rent weighs, and at the end of the month you see the net without doing the math.

    Koyo home: the September calendar with each day green or red by its net, and a month net of +$10,029.

  3. Say it the way you would.

    “tacos 185 cash” and done: the assistant saves it to the right account and category and confirms exactly what it recorded. Got the receipt? Take a photo: Koyo reads the amount, date and store, and nothing is saved until you review it.

    Assistant chat: two dictated movements and a question about food spending this month.

  4. Know what is left before the month ends.

    Set a cap for each category and see how much you have used. For what is coming, the emergency fund, that trip, the new laptop, your goals tell you how close you are.

    Budgets by category with their progress for September.

  5. All your accounts, one total.

    Payroll, savings and cash, each with its balance, and your net worth added up on top. Every movement stays in your activity, with search and filters, and you export it to CSV whenever you want.

    Accounts: net worth and the balance of each account.

What Koyo does not do.

  • It does not connect to your bank or move money: everything comes from what you record.
  • It does not sell your data or show you ads. It is free.
  • It does not leave you stranded without signal: on Android you record offline and it syncs when you are back.
  • It is not financial advice: it is your ledger, better organized.

Coming soon to Android.

Try it on Android