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Koba
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Koba in iMessage

Text Koba the way you鈥檇 text a friend

Koba is a contact in your Messages app. Talk to it privately about your own money, or add it to a group chat for everything you share.

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Privately and in a group

  1. You: how am I doing on eating out
  2. Koba: CA$255.00 of CA$300.00, 85% with 12 days left
  3. Koba: the CA$46.00 brunch on Sunday was trip food. move it to Vancouver weekend and split it?
  4. You: yes
  5. Koba: moved and split four ways. eating out is at 74% now
PrivatelyYour own budget, mail and reminders
  1. Maya: that was the best halibut of my life
  2. You send a photo of the Harbourline Kitchen receipt.
  3. You: @koba I paid CA$128.04, split it four ways
  4. Koba sends a card: Dinner added to Vancouver weekend. CA$32.01 each. Avery paid: CA$128.04. Maya, Leo, Priya: owe CA$32.01.
  5. Priya: wait, I left before dinner
  6. You: @koba priya wasn鈥檛 there
  7. Koba sends a card: Dinner, now split three ways. CA$42.68 each. Maya, Leo: owe CA$42.68. Priya: not on this one.
In the group chatMention @koba when you need it

There are no commands to learn

Spending

  • 5.75 coffee
  • dinner was 84, put it on us
  • that was groceries, not eating out

Groups

  • split it four ways
  • priya wasn鈥檛 there
  • who still owes me for vancouver

Plans

  • remind me every sunday at 7
  • put vancouver on my calendar
  • where do we park at the stay

Your money

  • what renews this month
  • how am I doing on eating out
  • greenleaf always goes to the house
  1. Today 9:00 am
  2. Koba: internet is due Oct 13, CA$85.00. I鈥檒l split it with the house once it鈥檚 paid
  3. Today 9:01 am
  4. Koba: your Trailmark return window closes Oct 12, if the jacket isn鈥檛 working out
  5. Fri 6:30 pm
  6. Koba: heads up: Tidewave Music goes to CA$18.99 on Oct 24

When Koba texts first

Koba only texts first when it鈥檚 worth it

A refund to confirm, a return window closing, a price about to change. Each notice says why it was sent and what you can do about it. Quiet hours hold anything that can wait, and a group can tell Koba to stay quiet.

  • Worth reading, or not sent
  • Quiet hours respected
  • Groups can pause Koba
  1. Koba: Trailmark Outfitters refunded CA$24.50 on the rain jacket you bought Sep 12
  2. Koba sends a card: Matched to your Sep 12 order. CA$24.50 back to you. Original charge: CA$89.00. From: Refund email, today. Status: Needs your OK.
  3. You: yes apply it
  4. Koba: applied. the jacket now counts as CA$64.50 in Clothing

Cards in the chat

Cards show the result and open the full record

When Koba saves something, it can answer with a card: the amount, who it鈥檚 for and where it went. Tapping it opens the same record on the web after you sign in.

  • Expenses, refunds, trips
  • Details only after sign-in
  • Same record as the app
  1. Koba: heads up: Tidewave Music goes from CA$16.99 to CA$18.99 on Oct 24. it鈥檚 on Maple Street Household, split four ways
  2. You: is anyone even using it
  3. Koba: I can鈥檛 tell who listens. want me to ask the house before it renews?
  4. You: yes please
  5. Koba: asked in the house chat. it stays CA$16.99 until Oct 24 either way

Households

The house chat keeps the house bills

Shared subscriptions and household bills live in the household鈥檚 space, so a price change reaches everyone it affects and each renewal splits itself.

  • Shared plans, shared heads-ups
  • Renewals split themselves
  • Real dates from real emails