Koffer Invite Only

A private home for everything you own.

Koffer is a personal finance app for Android and iOS with an AI assistant built in. It is private: there is no public sign-up, and you can only join with an invitation.

Take the tour Why it’s private

Net worth

One number, and the story behind it.

A net worth graph with its full history, built from every account you have. Your balance sheet is grouped the way you think about it: cash, investments, property, vehicles.

Koffer Home screen with a net worth graph, demo data

Investing

See what you hold, and how it’s split.

An allocation donut, a page for every holding and live prices. Gold, silver and platinum are tracked at spot, purchase by purchase.

Koffer Investing screen with an allocation donut, demo data

Reports

Follow every dollar.

Income against spending, and a cash flow Sankey for each month. On a tablet, Koffer spreads out and gives it the room.

Koffer Reports on a tablet with a cash flow Sankey, demo data

Every day

The everyday part, handled.

Transactions you can search and filter. Budgets that show what’s left. Bills that remind you before they’re due.

Koffer Budgets screen, demo data

Private

Then the lid closes.

Your finances stay private and encrypted, and only people who were invited can get in.

Cash flow

Every dollar, mapped.

One picture of the month: what came in, where it went, and what was left. It’s the quickest way to see your money, and Koffer draws one for you in Reports.

Income$8,500.00
Spending$4,372.24
Net savings$4,127.76
Savings rate48.6%
Entertainment$15.49Housing$2,516.40Transportation$561.83Food & Dining$378.52Uncategorized$900.00Surplus$4,127.76Utilities$206.40Groceries$349.62Restaurants$28.90Salary$8,500.00Cash flow$8,500.00 Entertainment$15.49Housing$2,516.40Transportation$561.83Food & Dining$378.52Uncategorized$900.00Surplus$4,127.76Salary$8,500.00Cash flow$8,500.00

Drawn from the same made-up demo month as the screenshots.

AI assistant

Just ask.

Koffer has an AI assistant that works from your own accounts, so its answers use your real balances, budgets and bills.

  • Answers in plain wordsNet worth, spending trends, your biggest expenses, what’s due next.
  • Handles the busyworkLog a transaction, change a budget, add a bill or record a payment by asking.
  • Explains, doesn’t pushIt helps you understand your numbers. It won’t tell you what to buy or sell.
  • Off until you want itThe assistant stays off until you switch it on.
Assistant

How much did I spend on food in October?

$378.52 on Food & Dining: $349.62 on groceries and $28.90 on restaurants. That leaves $421.48 of your $800 budget. Want to see it next to September?

Add a bill for Spotify, $11.99, due on the 20th.

Done. Spotify is on your bills for $11.99, due on the 20th of each month.

An example chat written with the demo numbers, not a screenshot.

Inside

The whole picture, in one app.

Net worth with history

Every account, one graph. Switch from a week to all time.

Net worth graph rising over a year, demo data

Allocation at a glance

Portfolios side by side, with a page for each holding.

Allocation donut split across retirement, precious metals and stocks, demo data

Precious metals at spot

Log each purchase of gold, silver or platinum. Koffer values it at the spot price.

Budgets

A ring for the month, a bar for each category.

Budget ring and category bars, demo data

Every way in

  • Bank syncLinked accounts through SimpleFIN
  • Manual accountsFor anything a bank can’t report
  • Home and vehicleValue estimates that sit on your balance sheet

Bills with reminders

What’s upcoming, overdue and paid.

Upcoming bills list, demo data

Locked on your device

Biometric or passcode lock, whenever the app opens.

Light and dark

Both themes, on phone and tablet layouts.

Invite Only

Koffer is private, on purpose.

Encrypted

Your financial data and its backups are encrypted.

Invite-only sign-up

There is no public sign-up. An account starts with an invitation.

Separate families

Each family’s finances are kept apart from every other family’s.