A Cozi alternative with money built in.
The shared calendar and lists you expect, no ads, plus shared expenses and a balance.
Okto is a Cozi alternative for couples who also share money. Like Cozi, it has a shared calendar and shared grocery and to-do lists. Unlike Cozi, it adds expense splitting with a running balance, and it shows no ads. Okto is built for a household of two on iPhone and Android.
Instead of
- a calendar app with ads
- a separate app for who owes whom
- a month view locked behind a paid plan
- a spreadsheet for bills
Calendar, lists and money in one app.
A shared calendar, free of ads
Cozi includes a shared calendar in its free plan. Okto gives a couple the same core, with a month view in the free app, a filter by person and no ads.
- Month view and day agenda, free
- Filter by Everyone or each partner
- Place, participants and reminders on events
- Two-way sync with Google and iCloud with Okto Plus
Shared lists for the week
Both apps cover groceries and to-dos. In Okto, the grocery list gives each item an icon and an "in the cart" section, and reminders carry a date, a time and an owner.
- Shared grocery list for both partners
- Reminders with assignees and due dates
- Smart views: Today, Scheduled, All, Assigned to me
- Lists of your own: trips, gifts, home projects
What Cozi leaves out: shared money
Cozi does not split expenses or keep balances. Okto does: record who paid, choose equal, amounts or percentages, and see where you stand in one line on Home.
- Split equally, by amounts or by percentages
- A balance like "You owe Jake $66.28"
- Settle up when you want to even out
- Repeating expenses and monthly stats with Okto Plus
Your iPhone, their Android. Same household.
- Live on both phones
- Add milk on one phone, it shows on the other a second later.
- Works offline
- The list is on your phone, even in a store with no signal.
- No ads, ever
- Okto is paid for by Okto Plus, not by your data.
- Private by design
- Only the two of you see your household. Data hosted in the EU.
Okto and Cozi, side by side
Cozi's free plan covers a shared calendar, shared lists and recipes, and Gold adds more. Okto fits couples who want expenses next to the calendar and lists, without ads.
| Okto | Cozi | |
|---|---|---|
| Shared calendar | Yes, month view free | Yes; month view on mobile is Gold |
| Grocery and to-do lists | Yes, free | Yes, free |
| Expense splitting and balances | Yes, free | Not offered |
| Ads | None | Free version has ads |
| Paid plan | Plus: $4.99/mo or $34.99/yr | Gold: $39/yr |
| Recipes | Not offered | Yes, free |
Checked on November 3, 2026, from: Cozi: compare Free and Gold plans, Cozi FAQ. Names belong to their owners; Okto is not affiliated with them.
Free for the two of you. Plus when you want more.
One subscription covers the whole household: if one of you subscribes, you both get Okto Plus. Okto is free during the beta.
Okto
$0
Everything you need to run the house together.
- Shared calendar with month view
- Shared groceries, reminders and lists
- Shared expenses and balances
- iPhone and Android, offline, no ads
Okto Plus 14-day free trial
$4.99 a month, or $34.99 a year
For both of you, on one subscription.
- Two-way sync with your phone's calendars (Google, iCloud)
- Rent, bills and to-dos that repeat by themselves
- Monthly stats of what you spend together
- Export your expenses
Questions, answered
What is a good Cozi alternative for couples?
Okto offers a shared calendar, grocery and to-do lists, and shared expenses in one app, with no ads. It is made for two people sharing a home, on iPhone and Android.
Does Okto have ads?
No. Okto shows no ads, in the free app or with Okto Plus.
Does Okto have a month view on mobile for free?
Yes. The month view and the day agenda are in the free app.
Does Okto have recipes like Cozi?
No. Okto focuses on the calendar, lists and expenses, and it does not include a recipe box.
How much does Okto cost compared with Cozi Gold?
Okto is free. Okto Plus costs $4.99 a month or $34.99 a year for both partners, with a 14-day free trial. Cozi Gold costs $39 a year, according to Cozi's plans page.
Is Okto good for families with kids?
Not yet. A household holds two people today, so Okto is best suited to couples.
Everything shared, money too.
Download Okto and put your calendar, lists and expenses in the same place.