Koba
Koba is a chat-integrated finance assistant that operates directly within iMessage, helping users track personal spending, manage subscriptions, and split shared bills and group trip expenses without leaving the conversation. Users can send receipts or payment notes, 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, subscription renewals, and refunds, and consolidates trip itineraries and reminders.
- Financial Technology
- AI Agents
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Managing shared expenses, subscriptions, and group trip costs typically requires juggling multiple apps, spreadsheets, and payment requests, which leads to confusion, missed payments, and awkward follow-ups. Friends and family members often struggle to keep track of who paid what, when payments are due, and how balances settle, especially when plans change mid-trip or someone leaves early.
Solution
Koba is a chat-integrated finance assistant that lives directly inside iMessage, allowing groups to handle shared bills, subscriptions, and trip expenses without leaving their conversation thread. Users can send a receipt photo or payment note, and Koba automatically calculates each participant's share, updates splits when plans change, and tracks who has paid. The service also connects to users' email to surface receipts, subscription renewals, and refunds, and can set reminders for bills and payments. For group trips, Koba consolidates bookings, shared costs, and reminders into one place, letting the group choose which details to share. All interactions happen through natural language commands in the chat, with no separate app required for participants.
Target Audience
Primary users are friend groups, households, and travel companions who regularly share expenses and need a frictionless way to track and settle costs within their existing iMessage conversations.
Features
- Native iMessage integration with @koba mentions for triggering expense tracking, bill splitting, and payment reminders directly in group chats
- Receipt photo recognition that automatically extracts amounts and splits costs among participants
- Dynamic split updates that recalculate shares when group members are added or removed after an expense is logged
- Email connectivity that identifies receipts, subscription renewals, and refunds from connected inboxes and categorizes them for tracking
- Subscription management with renewal dates and cost tracking, including the ability to assign subscriptions to individuals or shared groups
- Trip planning tools that consolidate bookings, shared costs, and reminders, with configurable visibility of details to group members
- Settlement tracking that records payments, confirms receipt, and identifies outstanding balances within the group