Expense Tracker & Budget: Kobu

Stay on top of your money – no account, no cloud, no subscription.

Kobu is the honest budget tracker that keeps your data locally on your device. There's no sign-up and no bank connection – your financial data never leaves your phone. And you start right away: your first entry takes under ten seconds.

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⚡ 2-TAP BOOKING
Tap a category, type the amount – done. No endless form, no required fields, no digging through menus. Booking becomes so fast that you actually do it every day instead of putting it off.

🔒 PRIVATE & ACCOUNT-FREE
Your entries, receipts and reports stay locally on your device – no cloud, no account, no login and no bank connection. Booking and reviewing work offline; only current exchange rates are fetched online when needed. That means maximum privacy, zero sync errors and no data loss – your numbers belong to you alone.

💰 CASHFLOW AT A GLANCE
Income and expenses sit side by side as bars. You instantly see which category weighs how much and whether you end the month in the black. Share the finished overview as an image with a single tap.

📊 LIVE DONUT CHART
Your spending ring updates the very moment you book. Without any detour through a menu, you always see where your money is actually going this month.

🎯 BUDGETS AT A GLANCE
Set a monthly budget — one overall limit, or a separate cap for each category. A color-coded bar right on your home screen shows you instantly where you still have room and which category is about to break its limit. Completely free, no PRO needed.

💱 TRUE MULTI-CURRENCY
Book in any currency – on holiday or while shopping online. Kobu stores the original amount together with the exchange rate of the booking day, so your reports stay travel- and inflation-proof and remain correct even years later.

📷 ATTACH A PHOTO
Add a photo to any entry – the receipt as proof or a picture of the occasion. Your record stays right at hand, entirely on your device, without ever uploading a photo anywhere.

📈 MONTHLY FORECAST & SAVINGS GOALS
Kobu projects your current pace and warns you in time: "At this pace you'll be over budget on the 24th." On top of that, you set your own savings goals and track your progress with a clear indicator.

🔁 RECURRING ENTRIES
Rent, subscriptions, salary or insurance – set them up just once. Kobu then enters them automatically at the right interval, so no fixed item ever slips through.

🐹 KOBU HAMSTER & STREAK
Your hamster Kobu rewards you for staying consistent and counts your booking streak. Gentle motivation with no pressure, no annoying limits and no wagging finger.

🌍 6 LANGUAGES
Kobu speaks German, English, Spanish, French, Italian and Portuguese – and automatically matches your system language on first launch.

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BUY ONCE, NOT A SUBSCRIPTION

Kobu is free and funded by a discreet banner ad. That ad is what keeps Kobu evolving and makes new apps possible.

If you like Kobu, you unlock PRO with a single one-time purchase – no monthly subscription, no hidden fees, no fine print. Pay once, keep it forever:

• Ad-free – no more banners
• Unlimited accounts (Free: 2)
• Unlimited categories (Free: 12)
• Unlimited savings goals
• CSV/JSON export of your data

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Download Kobu now and take control of your budget – simple, private and account-free.