Yearly
Best value$89.99/year
$7.49 a month, save 25%
For people who keep Koba around.
14 days free, then $89.99/year. Billed once a year, cancel any time.
Monthly
$9.99/month
The simple default.
7 days free, then $9.99/month. Billed monthly, cancel any time.
Weekly
$5.99/week
For trips and short runs.
7 days free, then $5.99/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, 14 on yearly. Cancel any time.
Free
$0
Free forever. No ads, no trial clock.
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 | Unlimited | Unlimited |
| Balance and settle-up answers over text | Instant | Instant |
| Receipt scanning | 10 scans a month | Unlimited, including photos over iMessage |
| Reminders | When you ask | 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 spaces | Deeper, across spaces and months |
| Background money analyses | Not included | Included |
Every plan starts with a free trial: 7 days on monthly and weekly, 14 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 keep using the app free. Nothing is charged until a trial ends, and cancelling takes one tap in the App Store or 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.
Yes. Unlimited splits, expenses, friends, spaces, and settle-ups, with instant answers over text, forever. The one thing free meters is receipt scanning: 10 scans a month, because every scan costs us real compute. Typing the expense always works, and Koba Premium makes scans unlimited.
Koba starts working without being asked. Free Koba answers whenever you write. With Koba Premium he texts first: nudges, a morning digest, warnings when a subscription renews or quietly raises its price, watching on the bank account you connect, unlimited 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 App Store or the billing portal. Your ledger and the app stay free either way.
No. Koba lives in your Messages app. There is a companion app for charts and spaces if you want it, but 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.