Koba Money
Koba is a chat-integrated finance assistant that operates directly within iMessage to track spending, split shared bills, manage subscriptions, and organize group trips. Users can send receipts or payment notes in a group chat, and Koba automatically calculates each person's share, updates splits when plans change, and records who has paid. The service also connects to email to surface receipts, refunds, and subscription renewals, and offers an iPhone app and web dashboard on the same records.
- Financial Technology
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Managing shared expenses, subscriptions, and group plans typically requires juggling multiple apps, spreadsheets, and manual calculations, which leads to confusion about who owes what and when payments are due. Group conversations about money are fragmented across chat threads and separate finance tools, making it easy for details to get lost or for people to be left out of the loop.
Solution
Koba is a chat-integrated finance assistant that lives inside iMessage, allowing users to track spending, split bills, and manage shared plans without leaving their conversation. Users can send a receipt photo or payment note, and Koba automatically calculates each participant's share, updates splits when plans change, and records who has paid. The service also connects to email to surface receipts, refunds, and subscription renewals, and can track trips, bookings, and reminders in one place. Koba maintains a single set of records accessible across iMessage, a dedicated iPhone app, and a web dashboard, ensuring consistency wherever users interact.
Target Audience
Primary users are roommates, couples, friend groups, and individuals who frequently share expenses or plan group activities and prefer to manage their finances within existing chat conversations rather than separate apps.
Features
- Native iMessage integration that lets users @mention Koba in group chats to split bills, track payments, and settle balances without requiring friends to install an app
- Receipt parsing that extracts line items, taxes, and tips from photos to calculate per-person shares automatically
- Dynamic split updates that recalculate amounts when participants are added or removed after the initial split
- Email connection (Gmail and Outlook) that identifies receipts, refunds, subscription renewals, and bookings from existing inboxes
- Subscription tracking that monitors renewal dates and price changes, flagging unexpected increases
- Trip planning features that consolidate bookings, shared costs, and reminders into a single group view
- Bank connections through Plaid for read-only transaction monitoring, cross-checked against logged expenses
- Settlement tracking that issues one request per person, marks payments as settled only upon confirmation, and sends reminders
- Cross-platform sync across iMessage, iPhone app, and web dashboard on the same underlying records