Kosh
All your accounts
Checking, savings, credit cards and investments, with real bank logos, card art and a net worth chart you can scrub through.
Free forever plan · Private by design
A private treasury for your money.
Kosh connects your accounts, sorts your spending, and shows where it all goes. Everything stays on your own devices, with no servers, no accounts and no tracking.
For Mac and iPhone · US and Canadian banks · Private beta
Screenshots show built-in sample data, not a real person's accounts.
No servers
No accounts to create
No tracking or analytics
No ads
What does Kosh do?
Everything you'd want from a money tracker, kept in your own hands.
See all your accounts in one place, let Kosh do the sorting, and only step in when it genuinely isn't sure.
Sorts itself, carefully
Your rules first, then your past choices, then on-device AI. It only applies answers it's sure about and asks you about the rest.
Review by merchant
Approve a whole merchant at once. Kosh learns it, skips review next time, and still flags a charge that looks unusually large.
Budgets with a pulse
One monthly budget, category budgets in groups you design, rollover, and a pace line that shows whether you're ahead or behind.
Cash flow and recurring
Net income, spending by group against last period, and every subscription and bill with what it costs per month and per year.
Alerts that matter
Bank fees, big charges, budgets nearly spent, low balances and paychecks arriving, as notifications generated on your device.
Review
Review a merchant, not every transaction.
Dozens of charges collapse into a handful of merchants. One tap sorts them all, now and later.
- Merchants that need a decision come first, with one-tap guesses.
- Merchants you've already approved are skipped automatically.
- Unusually large charges are always flagged for a look.
Budgets
Know what's left, not just what's spent.
Group categories the way you think about money, and watch each one against its budget.
- Create your own categories and groups, with emoji and colors.
- Roll unspent budget into next month, per category.
- Start from your three-month average with one tap.
Cash flow
See where it all goes.
Income, spending and net income by month, compared with the period before.
- Spending stacked by group, month by month.
- Drag across any chart to see the numbers.
- Export every transaction to CSV whenever you like.
Made for everyone's numbers
Your currency, written your way.
About 40 currencies, and number styles that match how your country writes them: 1,234,567.89, 12,34,567.89 (lakh and crore), 1.234.567,89 or 1 234 567,89.
- Chart axes read ₹1.5L and ₹2.3Cr where that's how people talk.
- Type amounts in your own style.
- It changes how amounts look, and never converts them.
How is my data kept private?
There's no Kosh server to trust.
Kosh is an app, not a service. Your data goes from your bank to your device, and from your device to your own iCloud. It never passes through us.
Your bankYou link it through Plaid or SimpleFIN with read-only access. Kosh never sees your password.
Your deviceTransactions are stored in an on-device database. Sorting runs on Apple's on-device model.
Your iCloudYour Mac and iPhone sync through your private iCloud. Access keys live in your iCloud Keychain.
YouLock it with Face ID or Touch ID, export everything to CSV, or erase it all in one tap.
What does leave your device? Requests to the bank connection you choose (Plaid or SimpleFIN), your own iCloud, and public logo images fetched from banks' websites (only the bank's website address is requested). No analytics, no advertising identifiers, no crash reporting of our own. Read the full privacy policy.
What does it cost?
The free plan is free forever. Your bank connection might not be.
Kosh's free plan costs nothing and never expires. The one real cost today is what your bank-connection provider charges.
| Part | Cost | What to know |
|---|---|---|
| The Kosh free plan | Free forever | It never expires: no trial clock and no ads. |
| Bank connection via Plaid | Free | Plaid's free Trial plan covers up to 10 bank logins, using your own Plaid keys. Plaid sets those terms and may change them. |
| Bank connection via SimpleFIN Bridge | $15 a year | Paid to SimpleFIN, not to Kosh. Covers up to 25 institutions with a simple setup token. |
| Smarter sorting | Free | Uses Apple Intelligence on supported devices, on the device. Without it, rules and keywords still work. |
Questions
Straight answers.
What is Kosh?
Kosh is a money tracker for Mac and iPhone with a free plan that lasts forever. It connects to your bank and card accounts, sorts your spending into categories, tracks budgets, net worth and recurring bills, and keeps all of it on your own devices and your own iCloud.
Is Kosh really free?
Yes. Kosh has a free plan that lasts forever, with no trial clock and no ads. Connecting banks uses either Plaid's free Trial plan (up to 10 bank logins, with your own Plaid keys) or SimpleFIN Bridge, which costs $15 a year and is paid to SimpleFIN, not to Kosh.
How does Kosh connect to my banks?
Through Plaid or SimpleFIN Bridge, using read-only access that you set up yourself. Kosh never sees your bank password, and the access keys are stored in your iCloud Keychain.
Is my financial data private?
Kosh has no servers, no accounts and no analytics. Your data lives on your devices and in your own private iCloud. Categorizing runs on your device with Apple's on-device model.
Which banks and countries does Kosh support?
Kosh can connect to the US and Canadian institutions that Plaid and SimpleFIN Bridge support, including banks, credit cards and brokerages. Check their institution lists for your bank. You can also try Kosh with built-in sample data, no bank needed.
How does Kosh sort transactions without sending my data to the cloud?
It tries your own rules first, then your past choices for the same merchant, then your bank's category, and finally Apple's on-device model. It only applies an answer it's confident about; otherwise it asks you with a one-tap suggestion. Settings shows how often you keep its picks.
Do I need Apple Intelligence?
No. Apple Intelligence on a supported device makes sorting smarter, but your rules, your past choices and keyword matching work without it.
Does Kosh work on Android, Windows or the web?
No. Kosh is built for Mac and iPhone.
Does Kosh support my currency and number format?
About 40 currencies and several number styles, including lakh and crore grouping (12,34,567), European (1.234.567,89) and French (1 234 567,89). This changes how amounts look; it does not convert between currencies.
What does "Kosh" mean?
Kosh (कोश) is a Sanskrit, Hindi and Nepali word for a treasury or storehouse: a place where something valuable is kept.
Can I try it without connecting a bank?
Yes. Demo mode loads fourteen months of realistic sample data in a separate store that never syncs and never touches your real data.
When can I get Kosh?
Kosh is in private beta. Email hello@getkosh.app to be told when it opens.
Who makes Kosh?
Kosh is made by Ankur Shrestha.
Be first through the door.
Kosh is in private beta. Tell us you're interested and we'll write once, when it opens.
Email hello@getkosh.app