Yearly
Best value$115.99/year
$9.66 a month, save 49%
For people who keep Koba around.
First month free, then $115.99/year. Billed once a year, cancel any time.
Monthly
$18.99/month
The simple default.
7 days free, then $18.99/month. Billed monthly, cancel any time.
Weekly
$7.99/week
For trips and short runs.
7 days free, then $7.99/week. Billed weekly, cancel any time.
Koba Premium
One Premium, whichever period you pick. Nothing is charged until the trial ends.
Every plan starts with a free trial: 7 days on monthly and weekly, 30 on yearly. Cancel any time.
Free
$0
Everything free for 7 days. After that your data stays yours, always. No ads.
Honest part: Any space with one Premium member is fully covered for everyone in it. Your friends never pay, never download anything, and never hit a paywall.
| Free | Koba Premium | |
|---|---|---|
| Splits, expenses, friends, spaces, settle-ups | Everything for 7 days, then yours to view and export | Unlimited |
| Balance and settle-up answers over text | Instant, forever | Instant |
| A space with one Premium member in it | Fully covered for everyone in it | You are the one covering it |
| Receipt scanning | During your trial | Included, subject to fair use, including photos over iMessage |
| Reminders | During your trial | Koba nudges without being asked |
| Morning digest | Not included | Every day |
| Subscription warnings: renewals, price increases, trials ending | Not included | Included |
| Bank connection with big-charge, duplicate, refund, and price-increase watching | Not included | One bank account |
| Financial watches | Not included | Included |
| Memory | Your history stays readable | Deeper, across spaces and months |
| Background money analyses | Not included | Included |
Every plan starts with a free trial: 7 days on monthly and weekly, 30 on yearly. Cancel any time. Start over text and your first week of full Premium is free, no card. After that you choose: keep paying, or your data stays yours, with every split readable in the app and balances still answered over text. Nothing is charged until a trial ends, and cancelling takes one tap in the billing portal.
Share your code (kobamoney.com/r/yourcode) or just add friends to a space. A friend you refer gets a 30-day free trial instead of 7. You get 7 days of Koba Premium free when they activate (a verified phone, 3 active days, and a real split), and 30 more when their first payment clears.
Credit is banked and applied to your own Koba Premium, never paid as cash, and it caps at 12 reward-months a year.
No, and they never will. Any space with one Premium member is fully covered for everyone in it. Your friends never pay, never download anything, and never hit a paywall. Nobody in your group needs a plan, an app, or an account.
The first 7 days are, completely: everything Koba Premium does, no card over text. After the trial the free side is your data, which stays yours forever: every split, space, and balance readable and exportable in the app, instant balance and settle-up answers over text, and full Koba in any space where one person has Koba Premium. Adding new expenses, splits, and scans past the trial is what the subscription is.
Everything past the trial that grows your ledger, plus Koba working without being asked. Free Koba keeps answering the money basics whenever you write: balances, who owes what, settle-ups. With Koba Premium he does the rest: new expenses and splits anywhere, nudges, a morning digest, warnings when a subscription renews or quietly raises its price, watching on the bank account you connect, receipt scans, and deeper memory.
Monthly is the default and the easiest to reason about. Yearly is the same Koba Premium at 25% less, if you already know Koba is staying. Weekly exists for trips and short runs, so you can keep Koba for exactly as long as you need him.
Nothing is charged until it does. After the trial your plan renews at its listed price until you cancel, and you can cancel any time in the billing portal. If you stop paying, nothing you tracked is lost: your data stays yours to see and export, and Koba still answers balances and settle-ups over text.
No. Koba lives in your Messages app. A companion app for charts and spaces is almost here, coming to the App Store, and everything you tell Koba happens in a text.
Never, on any plan. You pay how you already pay. Koba keeps the record and does the asking.