# Kosh vs KOHO: Spending Account or Planning Tool? > Kosh vs KOHO for Canadians: KOHO is an account you spend from, Kosh plans across every account you have. What each does and when you might want both. Source: https://trykosh.com/compare/kosh-vs-koho Compare - Kosh and KOHO # Kosh vs KOHO KOHO is a Canadian money app with an account and card you spend from. Kosh is an AI CFO that reads statements from all your accounts and plans. One holds your money; the other never touches it. Checked October 31, 2026Written by Kosh, so read with that in mind On this page[In short](#in-short)[Side by side](#side-by-side)[A place to spend vs a plan](#spend-vs-plan)[When KOHO is the better fit](#when-koho)[When Kosh is the better fit](#when-kosh)[Using both](#both)[FAQs](#faq) **In short** - KOHO gives you an account and card to spend and save with, with features like cash back and credit building depending on the plan. - Kosh doesn't hold money or issue cards. It reads statements from KOHO and every other account you have, and tells you what to change. - If you want a new place to keep and spend money, KOHO is in that category and Kosh isn't. If you want tax and savings planning across everything, that's Kosh's job. - KOHO has a free plan and paid plans; its prices and rates have changed over time, so check KOHO's own site. Kosh Pro is CA$19 a month or CA$179 a year. ## Side by side Kosh KOHO What it is An AI CFO that plans An account and card you spend and save with Holds your money No Yes Card for spending No Yes Sees your other banks and cards Yes, from statements Shows activity in your KOHO account Canadian tax estimate Federal and provincial Not a tax-planning tool RRSP, TFSA, FHSA planning Yes No Price Starter free; Pro CA$19 a month or CA$179 a year, with a 7-day free trial Free plan and paid plans; check koho.ca for current prices ## A place to spend vs a plan KOHO is something you use every day: you get paid into it, spend with its card and see your transactions in its app. Depending on the plan, KOHO offers features such as cash back on some categories, interest on balances and credit-building tools. Plan names, prices and rates have changed over time and third-party reviews disagree, so we don't quote them here; check KOHO's site for what's current. Kosh isn't an account. It's an [AI CFO](/learn/what-is-an-ai-cfo) that reads statements from KOHO and every other account you have, then works out what to change: the card that charges interest, the bank fee you could drop, the RRSP contribution that would cut your tax. ## When KOHO is the better fit - **You want a new spending account** with a card and a real-time view of what you spend. - **You're building credit** and want a tool designed for that. Our [credit score guide](/learn/credit-score-canada) explains how scores work in Canada. - **You want your daily spending in one simple app** and your finances are mostly in one place. ## When Kosh is the better fit - **Your money is spread out.** A big-bank chequing account, two cards, a TFSA somewhere else: Kosh reads them all. - **You want to save on taxes,** not just track spending. Kosh estimates your federal and provincial tax and shows what RRSP and FHSA contributions would save. - **You want a plan for growing your money:** the order to fill registered accounts, how big an [emergency fund](/learn/how-much-emergency-fund-do-i-need) should be, and when to pay down debt first. ## Using both You can use both: KOHO to spend, Kosh to plan. Upload your KOHO statements to Kosh with your other accounts, and Kosh includes them in your money map, subscription list and monthly plan. Kosh never asks for logins and can't move money, so nothing changes in your KOHO account unless you change it. [Free tool**Emergency fund calculator**Add up your essential monthly costs, choose how many months to cover, and see your target, the gap and how long it'll take to close it.](/tools/emergency-fund-calculator) **Where Kosh fits** Kosh doesn't replace a bank account or card. It plans across the accounts you already have, from statements you upload. ## Free tools to try first [Free tool**Emergency fund calculator**Add up your essential monthly costs, choose how many months to cover, and see your target, the gap and how long it'll take to close it.](/tools/emergency-fund-calculator) ## Frequently asked questions Is Kosh a bank account or a card like KOHO? No. Kosh doesn't hold money, issue cards or move funds. It reads statements you upload from your accounts, including KOHO, and helps you plan. How much does KOHO cost? KOHO has a free plan and paid plans. Prices and interest rates have changed over time and differ across sources, so check KOHO's own website for current figures. Can Kosh read KOHO statements? Yes. Upload your KOHO statements as PDF, CSV or photo with your other accounts and Kosh includes them in your money map. Which helps me save on taxes? Kosh. It estimates your federal and provincial tax and shows what RRSP, FHSA and other moves would save. KOHO is a spending and saving account, not a tax-planning tool. ## Sources - [KOHO accounts and plans](https://www.koho.ca/accounts) Descriptions and prices of other products come from their public websites as of October 31, 2026 and may have changed since. Kosh is our product. Product names belong to their owners. Kosh is an educational financial planning tool by Primedepth Labs. It is not registered with any Canadian securities regulator as an adviser or dealer, does not recommend specific securities, and does not hold your money or execute trades. Tax figures are estimates; confirm with the CRA or a qualified professional before acting. Investing carries risk. ## See what Kosh finds in your statements. Upload one bank or card statement. Kosh maps your money, estimates your tax and shows the one thing to fix first. It never asks for bank logins and can't move money. 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