Where a spreadsheet works well
A spreadsheet is free, flexible and yours. For a one-time net worth count or a tax worksheet, it is hard to replace, and Kosh does not try to.
Compare
Kosh or the family spreadsheet
A spreadsheet holds the numbers. It does not tell anyone that the SIP is due today, or show your spouse that the premium is already paid. Kosh does both.
Next
₹45,000
Home loan EMI · due 5 Nov · Asha
November1 of 5 done
Side by side
| Question | Kosh | A family spreadsheet |
|---|---|---|
| Cost | Free during private testing | Free, or part of an office suite you already have |
| Due dates | Notification on each Member’s iPhone on the due date | Seen only when someone opens the sheet and checks |
| Who paid | Anyone marks a payment done; the other phones show it | Someone edits a cell, then tells the others in a message |
| Two people, two phones | Each Member signs in on their own iPhone | One shared file; fine on a laptop, slow to edit on a phone |
| Fund holdings | Imported from a CAMS or KFintech CAS statement | Typed in by hand or pasted from a statement |
| Hard rules | Warns before a change breaks a limit you set | Possible with formulas you build and keep up to date |
| Flexibility | A fixed set of screens for a family money plan | Any layout and any formula you like |
| Offline | A local copy on the iPhone for reading offline | Works offline when the file is saved on the device |
Where it stops
A sheet cannot send a notification on the due date or show who paid. In Kosh, each payment has a schedule, and anyone in the Household can mark it done.
Due today
₹45,000
Home loan EMI, marked done by Ravi
Moving across
Add each payment once with its schedule. Import a CAS statement from CAMS or KFintech for your funds. Keep the spreadsheet for sums Kosh does not cover.
Questions
Kosh vs a spreadsheet: questions
Can I keep my spreadsheet?
Yes. Many families keep a sheet for one-off sums. Kosh holds the payments, due dates and Goals that the whole Household needs to see.
Does Kosh read my spreadsheet file?
No. You add each payment once with its schedule. Fund holdings can come from a CAS statement from CAMS or KFintech.
Is Kosh free, like a spreadsheet?
Kosh is free during private testing on iPhone. Any future price will be published on the pricing page before it applies.
Does Kosh work on Android?
Kosh is an iPhone app during private testing. Each Member needs their own iPhone to sign in.