Know where your money is.Decide where it goes next.
Fanika brings budgets, accounts, debt, giving and goals into one calm financial picture — planned before the month starts and reconciled after every entry.
Set each line while the month is still ahead of you. Rent, school fees and other recurring lines carry forward automatically; everything else starts clean at zero.
Recurring lines carried over from July. Everything else starts at zero.
Track
Every shilling in one ledger
Income and expenses share a single tracker with timestamps, categories, transaction fees and multi-currency support. Balances and budgets update the moment you record.
Debt payments post themselves and settled debts archive automatically.
Executive view
Your whole financial life on one screen
Balances, budget performance, debt, giving and net worth — reconciled and ready to export.
fanika.app / overview
Good morning, Brian
You saved KES 32,700 this month
That's 27% of your income.
Total balance
124,500
+8.4%
Income
180,000
+12%
Expenses
72,500
−4%
Savings
48,000
+9%
Budget vs actual
Where money went
Housing 42%
Food 24%
Transport 18%
Other 16%
Everything included
Eight modules, one reconciled system
Budgets that reset properly
Month-by-month navigation. Editing August never rewrites July.
Money tracker
One ledger for income and expenses, grouped by week with timestamps.
Accounts & debts
Balances, overdrafts and loans reconcile after every entry.
Goals & investments
Track contributions and returns inside one net-worth picture.
Charity & giving
Optional tithe and offerings computed before disposable income.
Financial calendar
Mark bill dates, expected income and deadlines that matter.
AI advisor
Reads your current month plus history and returns a health score with next steps.
Family suite
Shared budgets, allowances, chores with rewards and joint reporting.
9:41
Insights
You spent more on dining
Dining rose 24% versus last month.
View spending →
You're close to a goal
KES 8,500 away from your target.
Add contribution →
Transport is improving
Down 11% this month. Keep going.
See trend →
Home
Money
Goals
Insights
Guidance
Advice, not just charts
The advisor reads your current month and recent history, scores your financial health and hands you the next two or three moves that matter — in plain language.
Private by design
Row-level security means only you can read your records.
Multi-currency
Track and convert across currencies with daily rates.
Reports you can hand over
Monthly, quarterly and annual statements as PDF, Excel or CSV.