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What is Kosho?

Kosho is a personal budget app for German-speaking users. It splits your money into smart buckets (called "Töpfe"), imports bank transactions via CSV, and uses AI to automatically categorize spending and generate financial insights. Kosho is a web app available at kosho.app.

Core Features

Budget Buckets (Töpfe) — Allocate your income into categories like rent, groceries, savings, and leisure. Track spending against your budget in real time.
Bank Import — Upload CSV files from German banks (Sparkasse, DKB, ING, Commerzbank, N26, and more) to import transactions automatically.
AI Categorization — Kosho uses AI (Claude, GPT-4o-mini, or Gemini) to automatically assign transactions to the correct budget bucket.
AI Insights — Get personalized, actionable financial tips based on your spending patterns, like where to save money or optimize subscriptions.
Auto Rules — Kosho learns from your manual corrections and creates rules to categorize future transactions automatically.
Financial Reports — Visual spending trends, income vs. expenses charts, and monthly comparisons.

Pricing

Free Plan: Unlimited budget buckets, manual transaction entry, 1 AI analysis per month, basic insights.

Pro Plan: Everything in Free, plus bank CSV import, unlimited AI categorization and insights, auto-rules, financial reports, and priority support.

Target Audience

German-speaking users who want clarity on where their money goes
People who prefer flexible bucket-based budgeting over strict envelope systems
Users looking for AI-assisted financial insights without complexity
Anyone who wants to import their German bank transactions easily

Privacy & Security

Fully DSGVO (GDPR) compliant
Hosted in Germany on European infrastructure
No data shared with third parties
Bank data is uploaded by the user — no direct bank API access
Users can delete their account and all data at any time

How Kosho Differs

vs. Finanzguru: Kosho uses bucket-based budgeting with spending limits per category. Finanzguru focuses on tracking and contracts. Kosho gives you active control over your budget, not just visibility.
vs. YNAB: Kosho is simpler, designed for the German market, and uses AI for automatic categorization. YNAB requires manual categorization and is US-focused.
vs. Excel: Kosho automates bank import, categorizes transactions with AI, and provides visual insights. No formulas needed.