Your whole net worth, in one private place
Koda Finance links your bank, card, and brokerage accounts through Plaid and turns them into a single, honest number — with balances, bills, spending, and a permanent record of every transaction — behind your fingerprint or face.
What it does
Net worth, daily
Everything you own minus everything you owe, across every linked institution. Charted from one week to all-time, with a total saved every day so the line keeps growing.
All your accounts together
Cash, investments, credit cards, and loans from every bank in one list, grouped and labelled. Add things Plaid can’t see — art, collectibles, private holdings — by hand, and they count toward your total too.
Bills before they’re due
Real due dates and minimum payments straight from your card issuers and lenders, plus subscriptions and utilities Koda spots by recognising the pattern. Nothing to type in.
Where the money went
Spending by category for the week, month, or year, always compared with the period before, so you can see whether it’s going up or down.
Every transaction, kept for good
Banks usually show you a few months and then it’s gone. Koda keeps its own copy of every transaction from the moment you link — so your history keeps building instead of rolling off, and it survives changing banks or reconnecting an account.
Take it with you
Download your entire transaction history as a spreadsheet whenever you want. It’s your record, in a format anything can open.
You decide when it updates
Koda doesn’t reach out to your banks on a timer or quietly in the background. It fetches new data when you pull down to refresh — and at no other time. Between pulls, the app reads the copy it already has, which is fast, free, and works without touching your bank at all.
Built private by default
Locked to you
Signing in takes your password and a code from your authenticator app, so a stolen password alone gets nowhere. After that, every launch needs your fingerprint or face.
Your bank login stays yours
You sign in to your bank inside Plaid’s own screen. Koda never sees, receives, or stores your credentials.
Almost nothing on the phone
Your figures live in an encrypted Google Cloud backend. The phone keeps only your last net-worth summary, locked in its secure keychain so the app still opens without signal — and it’s wiped the moment you sign out.
Lost your phone? Sign it out
One tap signs out every device at once, so a missing phone stops working the moment it next tries to load anything.
Disconnect any time
Unlinking a bank revokes Koda’s access immediately. Your past transactions stay, because they’re your history. Delete your account in the app and everything goes — every connection, every record, and your sign-in.
Read the Privacy Policy, the Terms of Service, and the security documentation.
Want to try it?
Koda Finance is in private beta and isn’t on the app stores yet. Tell us you’re interested and we’ll let you know the moment there’s a place for you.
Opens an email to contact-us@kodadigital.ai. No account, no signup form, nothing tracked.