One app for everything you've ever thought about money — spending, budgets, investments, goals, habits, learning. For you, your family, your group. Coached by an AI companion that grows with you.
Free at launch · founding members lock 50% off Pro forever
Egg #2,432 is yours 🥚
Your koi is waiting to hatch at launch.
Track · Grow · Achieve · Learn — one flow
One app, 360°
Everything flows together
Finance apps make you choose: a tracker, a broker, a budgeting tool, a course. KoiFi is one current — each part feeds the next.
01
Track
Expenses & income across banks, cash, and crypto — with receipt scanning and AI auto-categorization. Personal, family, or group spaces.
02
Budget
Smart budgets that watch your pace and tell you the one number that matters: what's safe to spend today.
03
Grow
Portfolios across stocks, crypto, and more — with rebalancing, tax insights, and honest multi-currency math.
04
Achieve
Goals with live trajectories, retirement & FIRE planning, and celebrations when you arrive.
05
Learn
6 tracks, 61 bite-sized lessons, daily wisdom and news briefs — taught by your companion, not a textbook.
06
Flow
A coffee becomes a budget signal, becomes a habit, becomes a funded goal, becomes an investment. Nothing lives in a silo.
Your money in one current — not six apps.
Deceptively deep
Simple on the surface. A powerhouse underneath.
Most of it stays out of your way until you want it. Turn on only what you need — the rest waits quietly.
Daily briefing
A markets & personal-finance news brief every morning, distilled by your companion — plus daily wisdom you can save.
Crypto & fiat, as one
Hold hryvnia, dollars, euros and coins side by side. Honest USD-bridged conversion with provenance — never a mixed-currency lie.
Simulate your future
Monte Carlo, FIRE and retirement planners run on-device. Ask “what if I add ₴2,000/mo?” and watch the trajectory move.
Watchlists & alerts
Track tickers and coins, set price alerts and target exit prices, and get nudged the moment something you care about moves.
Auto-connect
Link banks and crypto wallets for automatic, read-only import — public addresses only, keys never leave your control.
Rebalance & tax insight
Allocation editor, drift-aware rebalancing, tax-loss harvest hints and realized-gain reports — the tools pros expect.
Personal · family · group
Separate spaces with their own accounts, budgets and members. Split with roommates; run the household; keep business apart.
Private by design
Offline-first, biometric lock, one-tap privacy blur on every figure. Your numbers stay yours.
One app, from first budget to full portfolio.
KoiFi reshapes itself to you. Log a coffee in two taps — or run a drift-aware rebalance across five currencies. Same app, your depth.
Getting startedA tidy home, gentle nudges, one number: what's safe to spend today.
Going deeperMulti-space, goals, habits, and a coach that teaches as you go.
Power userRebalancing, simulations, exit prices, tax reports, API keys for agents.
The journey
Stage 1 / 5
It starts with an egg.
Join the waitlist and your koi is reserved — waiting to hatch the day KoiFi launches.
Journey progress
It starts with an egg.Join the waitlist and your koi is reserved.First fins.First month tracked, first budget kept.Growing bold.Streaks, goals, first investments.Strong current.Balanced, on trajectory, automatic.Legendary.Financial freedom, earned.
Companions
Five friends. One is yours.
Inspired by Eastern symbols of prosperity — each with its own voice, wisdom, and coaching style. They celebrate wins, nudge gently, and never judge.
KoiFi
The Patient Guide
Savings · Long-term wealth
ManeFi
The Cheerful Coach
Budgets · Habits · Streaks
FenFi
The Ambitious Mentor
Investing · Markets
KarFi
The Mindful Guide
Insight · Mindful spending
LuFi
The Bold Strategist
Goals · Big moves
With love, from Ukraine
Until the war ends, every profit goes to charity.
KoiFi is built in Ukraine, during the war. We believe an app about building your future should help rebuild a country too. That's why 100% of KoiFi's profits go to humanitarian and rebuilding charities until the war ends. Your subscription grows your wealth — and helps heal a nation.
100%
of profits pledged to charity until the war ends — publicly, verifiably, from day one.
Early access
Reserve your egg
The first 10,000 founding members get their koi first — and keep founding privileges forever.
2,431 eggs reserved so far
Egg #2,432 is yours 🥚
Your koi is waiting to hatch at launch.
✦50% off Pro — forever, locked at launch
✦Founding Member badge on your koi
✦First to hatch — day-one access
✦Shape the roadmap with us
Questions
Fair questions
When does KoiFi launch?
We're in late development — founding members get access first, in waves, starting this year. Your egg number is your place in line.
What will it cost?
KoiFi is free to start, with paid tiers for power features at launch. Founding members lock 50% off Pro forever — that's the deal for waiting with us.
Is my financial data safe?
Privacy-first by architecture: your data lives on your device first, syncs encrypted, and every bank connection is read-only. We never sell data, never execute trades, and money amounts can be hidden with one tap.
Which platforms?
iOS and Android at launch, in English and Ukrainian. Web comes later.
Is the charity pledge real?
Yes. 100% of profits go to humanitarian and rebuilding charities until the war ends. We'll publish the receipts.
