Know Your Balance
30 Days Ahead

Every deposit. Every bill. Every account.
Predicted to the penny.

With Finikigai, you can
Get Started Free 256-bit encrypted via Plaid + Firebase
14-day free trial Cancel anytime
Then $5.99/mo or $49/yr (plus tax)
30-day balance forecast showing deposits and bills
Interactive Demo

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No signup needed. See how we help you avoid overdrafts and late fees.

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AI-Powered

Income Found Automatically

Stop manually tracking paychecks. Our AI scans your transaction history to identify salary deposits, freelance income, and recurring payments - automatically categorizing them by source and frequency.

  • Detects regular income patterns
  • Identifies employer names from transactions
  • Tracks multiple income streams across all accounts
  • Projects your next expected deposit date
AI Income Detection
AI-Powered

Expenses Mapped Intelligently

Bills, subscriptions, loan payments: our AI finds them all. It learns your spending patterns and predicts exactly when money will leave your account, so you're never caught off guard.

  • Identifies recurring bills and subscription services
  • Tracks credit card payments and due dates
  • Detects one-time vs. recurring expenses
  • Alerts you before payments hit your account
AI Bills & Expense Detection
The Formula

Income Expenses = Future Balance

This is the magic. By combining AI-detected income with AI-mapped expenses, we forecast your account balance for the next 30 days - giving you the foresight to make smarter decisions.

What You Can Do With This

  • Send money confidently Know which account has headroom to transfer funds to family or friends
  • Avoid overdraft fees Get warned before any account dips below zero
  • Pick the right card See which credit card to use TODAY based on statement dates
  • Invest with clarity Identify surplus funds that can be put to work in the market
30-Day Balance Forecast

Your Data, Protected

To forecast your financial future, we securely store your transaction history, account balances, and income patterns. This data powers the personalized insights that help you plan ahead - while remaining fully under your control.

Why We Store Your Data

Unlike apps that only show you a snapshot, Finikigai remembers your financial history so you can:

  • Know your
    paydays
    See exactly when and how much you'll get paid next
  • Predict your
    bills
    Never be surprised by a recurring charge again
  • See your
    future
    Check your projected balance 30 days ahead
  • Stay ahead of
    overdrafts
    Get warned before your balance dips too low

AES-256
Encryption

Your data is protected with Advanced Encryption Standard (AES-256) and Transport Layer Security (TLS). These are the same standards used by major financial institutions worldwide.

Multi-Factor Authentication

Every account requires phone verification and two-factor authentication. Your financial data deserves the same protection as your bank account.

SOC 2 & ISO 27001 Certified

Our infrastructure providers hold the industry's most rigorous security certifications, with regular independent audits verifying compliance.

Built on Enterprise-Grade Infrastructure

We partner with the most trusted names in cloud security and financial data

Google Cloud Platform

Your data is hosted on Google's secure-by-design infrastructure, the same platform that protects billions of users daily. All data is encrypted at rest and in transit, with strict access controls and continuous monitoring.

Learn more

Firebase Security

We use Firebase for authentication and data storage, which complies with GDPR, CCPA, and holds ISO 27001, SOC 1, SOC 2, and SOC 3 certifications. Your data is logically isolated and protected by Google's world-class security team.

Learn more

Plaid Data Network

Over half of US adults have connected accounts through Plaid. We never see your bank login credentials. Plaid handles authentication directly with your bank using encrypted APIs and 24/7 fraud monitoring.

Learn more

You're Always in Control

Transparent Access: See exactly what data we collect and why
Disconnect Anytime: Remove bank connections instantly from your dashboard
Delete Your Data: Request complete data deletion at any time
Never Sold: We never sell or rent your personal information to third parties

Connect Your Bank in Under a Minute

Pick your bank → Log in securely → Verify with 2FA → Done

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Syncing accounts Sync
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Ready for Clarity?

See your financial future with confidence. Start your free 30-day forecast today.

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14-day free trial Cancel anytime
Then $5.99/mo or $49/yr (plus tax)

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