Know what you make.
Know where it goes.
Track your income, understand your spending, and manage your budget—all with Koala, your AI money manager, just a text away.
One picture. Shopify and Stripe connect direct. Everything else comes through the bank accounts you link.
If you had someone who read every deposit, caught every fee, sorted every purchase, and texted you before rent hit —
how much more would you keep?
Find out. It's a text.Meet Koala
Know your income. Understand your spending. Take control.
Koala messages you in iMessage when there's money in it.
Has a ledger.Everything it sees, in one place. Receipt behind every line.
What you made and kept, every 1st, with proof behind it.
See where your money goes without sorting every transaction yourself.
One ledger
Your sales, payouts and deposits finally make sense together.
A $1,000 sale, a $30 fee, a $970 payout and a $970 deposit is one thousand dollars, not four lines you add up wrong. Guala links the whole chain so revenue stays revenue and settlement stays settlement.
- Sale, fee, payout, deposit, chained together
- Bank-only income still counts: Twitch, Zelle, PayPal
- Unmatched stays unmatched. We don't fake it.
Monthly statement
Receipts for your receipts.
On the 1st, Koala drops your statement: revenue, fees, what you kept, what actually landed, and where it came from. Every number traces back to a source record. Send it to your accountant, a lender, or your mom.
- Revenue, fees %, net retained, cash vs. earnings
- Income by source, concentration flagged
- PDF and CSV. Estimates labeled as estimates.
Koala pulls up
It texts you before you'd think to ask.
Every night Koala checks what moved: your pace against your income goal, fees creeping up, money owed vs. money landed, a budget category running hot, a new source showing up. When something matters, you get a text. One a day, max. Never after 9 PM.
- Pace against your monthly goal
- Fees creeping up on any platform
- A budget category about to blow
Two taps. The rest is texts.
No password. No app store. No homework.
You text Koala first. That's your signup. One link shows your plan and connects your bank, one link to pay. Everything after that happens in the thread you already live in.
Text Koala
Say hey. Tell it your name and what you're working toward.
Tap your plan
A few screens on what your goals take, then connect your bank, read-only.
Two quick questions
While your history loads: how you make money, and how Koala should talk to you.
Your first read
Koala reads your history and texts your first read with a starting score. Then join for $20 a month. No contract.
Koala does the books. You keep creating.
Tracks.
Every payout from every platform, matched to the deposit it became.
Catches fees.
Processor fees, platform cuts, and estimates where a platform doesn't report them.
Gives your money a plan.
Set a monthly budget and category limits. Koala shows what's left before you overspend.
Sorts your spending.
Purchases from your linked bank, grouped into categories you can correct with a text.
Reports.
Monthly statement with a source behind every figure. Lender-ready, CPA-ready.
Answers.
"What did I make?" "What did TikTok take?" "Am I good for rent?" Text it. Get the number.
The questions you couldn't answer before. Every month.
Text Koala nowYour whole creator business. Soon, one thread.
Guala CPA
Coming soonA real accountant reviews your Guala statement every quarter. Your books, already clean, so they're not billing you to untangle them.
Join waitlist →Guala Allocate
Coming soonTell Koala the split — taxes, savings, spend — and it moves the money when the payout lands. Nothing moves without your yes.
Join waitlist →What creators actually text Koala
Hover to pause. Tap any to try it.
Financial clarity without becoming your own accountant.
Any bank, connected
Stripe reads the accounts you get paid into. Twitch, TikTok, Patreon, Zelle — if it lands in the bank, Koala sees it.
Platform APIs
Shopify and Stripe plug in straight from the source: orders, fees, payouts, disputes. Not scraped. Not typed in by hand.
Intelligence that talks like you
Koala runs on the newest Claude models. The model does the talking. The ledger does the math. Never the other way around.
Read-only on every dollar Koala touches.
Encrypted, twice
Bank tokens are encrypted at the app layer with Cloud KMS before they're stored. In transit and at rest.
Connected through Stripe
Read-only, with bank-grade encryption. We never see your bank password. Neither does Koala.
Read-only, by design
Koala can read your money. It cannot move it. There's no button for that. Not even a hidden one.
Your data, your call
Disconnect a bank from a text. Request deletion from a text. STOP means stop.
Founding creators
Anyone can join. Just text Koala.
No invite, no wait. Text Koala and it walks you through setup right in your messages.
Text KoalaQuestions. Straight answers.
What is Guala?+
Guala is an AI money manager for people who earn independently. It brings your sales, payouts, bank deposits and spending into one picture: what you made, what the platforms took, what reached your bank, where it went, and how you're tracking against your budget and income goal. Koala, your AI money manager, answers questions about your actual activity over iMessage.
Who's it for?+
Creators, independent earners and small-business owners whose money doesn't look like a paycheck. Shopify sellers, Stripe-paid creators, freelancers and consultants getting paid into a bank account. If your income shows up in a few places and you've never seen it in one, this is for you.
Does it track my spending too?+
Yes. Purchases from the bank accounts you link through Stripe get sorted into categories like dining, software, marketing and travel. Categories are suggestions you can correct with a text. You can set a monthly spending target and per-category limits, and Koala shows what's left. It only sees accounts you connect, so Cash App or Apple Cash spending isn't included unless it lands in a linked bank.
Can Koala move my money?+
No. Koala has read-only access. It can tell you what landed, what's pending, and what the platforms took. It cannot transfer, pay, or withdraw anything. Allocation is on the roadmap and will require your yes on every move.
Is it safe?+
Bank connections run through Stripe, so we never see your bank login. Access tokens are encrypted before they're stored. Platform access is read-only. Every figure Koala sends is checked against your ledger before it goes out. Disconnect or request deletion by text.
How much does it cost?+
Founding creators pay $20/month, locked for as long as you stay. Checkout runs through Stripe. Cancel from a text. No contract.
What platforms do you support?+
Shopify and Stripe connect directly. Everything else that pays out to your bank — Twitch, TikTok, YouTube, Patreon, PayPal, Zelle, wires — comes in through your connected bank accounts, with fees estimated at published rates and labeled as estimates. More direct connections are coming.