# Do I need a paid plan to use KOHO?

> No You can use KOHO with a  NonMember account  which has no monthly fee and gives you access to core features like spending and budgeting tools You can also

Source: https://help.koho.ca/en_us/do-i-need-a-paid-plan-to-use-koho-ByhtnPEGg

Last updated: 2026-07-17T14:15:52.174Z

No. You can use KOHO with a **Non-Member account**, which has no monthly fee and gives you access to core features like spending and budgeting tools. You can also earn **0.5% interest** on your balance once you opt in.