Koya is an AI money coach that understands your goals, learns your habits, and talks to you the way you want. Manual or auto-sync — your choice, your privacy.
Every other budgeting app just shows you charts. Koya learns who you are, what you care about, and coaches you in a voice that fits.
A quick taste of how Koya analyzes your spending — powered by real AI. No signup, no credit card.
Pick a plan. 7-day free trial. Cancel anytime from your settings — no friction, no retention games.
No. Koya is a tool that provides suggestions and insights based on your spending data. It's designed to help you understand and manage your money — not to replace professional guidance. For important financial decisions, please consult a licensed financial advisor, tax professional, or attorney.
No. Koya is manual-first. You can enter transactions by hand or upload a screenshot of your bank statement (we only read merchant, date, amount — nothing sensitive). Bank auto-sync via Plaid is optional and available on Koya Plus if you want the automation.
Your data is encrypted at rest and in transit. We never sell or share your financial information. If you choose bank auto-sync, we use Plaid (the same secure service used by Venmo and most major fintech apps) with read-only access — Koya cannot move money in or out of your accounts.
Yes, anytime. You can switch between Coach, Analyst, Friend, and Straight Shooter in Settings. The AI remembers your goals and context regardless of tone.
You get 7 days of full access to Koya — no credit card required until trial ends. If you decide Koya isn't for you, just don't subscribe. No charges, no friction.
Absolutely. Cancel from your Settings with one click and keep access until your current billing period ends. No cancellation fees, no retention games.