We built Kosh because our family money plan lived in two places that did not talk to each other: a spreadsheet one of us kept, and a chat thread both of us half-read. That worked until the 5th of the month, when an SWP had to land before an EMI, a premium was due, and each of us assumed the other had handled it. Kosh is one plan, on both our phones, that says what is due and who ticked it.
The spreadsheet that only one of us opened
We are a two-income household. Like a lot of families, we started tracking money in a spreadsheet. One tab for the home loan. One for SIPs. One for insurance premiums with renewal dates. A cell at the top added up what we thought we owned.
The spreadsheet was good. The trouble was that only one of us ever opened it. The other one got updates by message: "SIP for the index fund moved to the 10th", "car insurance renews next week", "leave the bank money alone, the EMI goes on Friday". Those messages scrolled away under photos and school notices. Within a few months the spreadsheet said one thing, the chat said another, and the bank statement said a third.
The SWP that had to land before the EMI
Our home loan EMI debits on the 5th. For a stretch, we funded part of it from a systematic withdrawal plan on a debt fund, so the money had to reach the bank a few days before the EMI went out.
An SWP does not arrive on the date you set it. It takes a few working days to settle. One month a holiday sat in the way, the SWP money landed late, and the EMI debit went through against less money than we expected. Nothing bounced, but only because there happened to be enough left over. We had planned the SWP date. We had not planned the gap between the SWP and the EMI.
What we wanted was simple: a notification that came early for the item that had to come first. So in Kosh, an item can have a lead time. A pay-before item like an SWP that feeds an EMI notifies early, not on the day the EMI goes out. We wrote more about this in SWP before EMI.
The premium each of us thought the other paid
The second one hurt more. A yearly premium on a policy came due. One of us saw the renewal email and thought, "the other one always does this one". The other one saw the same email and thought the same thing. Neither paid. We caught it inside the grace period, by luck, while looking for something else.
The fix for this is not a better alarm for one person. It is a shared record of who did it. In Kosh, every member with notifications on gets a notification on the due date, and when anyone ticks the item done, the other phone shows it as done. No more "did you pay it?" messages, and no more silence when nobody did.
A lapsed policy also falls straight out of the cover we hold, which changes the protection gap for the whole family. We explain that arithmetic in term and health cover gap.
Folios in two fund houses, under two PANs
The third problem was quieter. Over the years we had opened folios with several fund houses, some in one name and some in the other. One of us had a SIP that had stopped months earlier and nobody noticed. Our "what do we own" cell was always slightly wrong, because updating it meant logging into too many places.
A CAS statement from CAMS or KFintech lists every folio under a PAN in one PDF. Kosh imports that statement for each member, reads it, and does not keep the file. It also never asks for a bank login. The Family tab then adds up both of our funds, PPF, NPS and loans in one place, grouped by Category. For how to read a family total that spans two people, see family net worth across two people.
What we decided Kosh would not do
We were careful about one thing from the start. Kosh does not pick funds for anyone. It does not rank funds or insurers. Our own plan never needed an app to choose for us. It needed arithmetic and memory.
So Kosh computes and warns, and the family decides. It shows how many months savings would last if income stopped, in Runway. It lets you try a change before you make it, in What-if. It warns before a change breaks a limit you set yourself, such as the LTCG limit for the financial year, in Hard rules. It tracks Goals, each a target amount by a date, with the funds and SIPs linked to it and projected progress. Each of these is a number the family can check.
Where Kosh is today
Kosh runs on iPhone. It is in private testing and free during testing. One Household shares one plan across every member's phone. You add each EMI, SIP, SWP, premium, PPF deposit or rent once, with its schedule: monthly, yearly, weekly, every few months, or a list of dates.
We built it for our own 5th of the month first. If your household runs its money on a spreadsheet and a chat thread, you may recognise the problem. You can read more at ourkosh.com.