Every deposit. Every bill. Every account.
Predicted to the cent.
Connect a bank and finikigai reads the transaction history to work out what recurs, how much, and when it lands next — no manual entry, no spreadsheet. Variable amounts are handled too: credit-card statements and loan payments are linked to the accounts that pay them.
Not one blended number. Every account gets its own 30-day line, with each deposit and each debit on the day it hits. Credit-card statements change every month; finikigai re-forecasts them for you, so you never have to guess what the payment will be.
Spending broken down by category, merchant, transaction size, and committed-vs-discretionary — the last one being the number nobody else shows you. AI categorises everything on arrival, and when it gets one wrong, a single tap fixes that transaction or every transaction from that merchant, past and future.
Streaming, gyms, software, insurance — all of it, from all your institutions, on one screen with what it costs you a month and when it next charges. The ones you forgot you were paying for are usually the point.
Tell finikigai what you can put toward debt and it simulates the payoff — Avalanche (highest interest first) and Snowball (smallest balance first) side by side, with the real dates each balance hits zero and what each approach costs you in interest. Balance transfers are modelled too, promo rate and fee included.
Link investment accounts alongside your banks and see total invested balance and return without opening five different institution apps every morning.
Remove a single institution — and every account under it — or wipe your entire account and all its data, from inside the app. You own your data. We never sell it or share it, and we use it for exactly one thing: making this app faster and more useful for you. See how deletion works.
Balances refresh daily on their own, but when you have just been paid or just made a large payment, pull live data straight from the bank from inside the app and watch the forecast update on the spot.
The full forecast, now native on iPhone and Android. Unlock with Face ID or fingerprint, see every account, and know your balance to the cent — wherever you are.
In private beta — public launch coming soon. Get notified below.
Every plan includes the full forecast, bills, credit-card tracking and daily sync. Pick the plan that fits how many institutions you bank with. 14-day free trial on all plans.
One bank, one budget. Everything you need to see your future balance.
For most households — checking, savings, and the cards that go with them.
Every account across every institution, with no cap.
Drop your email and we'll ping you the moment finikigai is live on the App Store or Google Play. One email at launch. No spam, ever.
By submitting, you agree to receive a one-time launch email from finikigai. We never sell your data.
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.
Unlike apps that only show you a snapshot, finikigai remembers your financial history so you can:
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.
Every account requires phone verification and two-factor authentication. Your financial data deserves the same protection as your bank account.
Our infrastructure providers hold the industry's most rigorous security certifications, with regular independent audits verifying compliance.
We partner with the most trusted names in cloud security and financial data
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 moreWe 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 moreOver 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 morePick your bank → Log in securely → Verify with 2FA → Done
Choose Bank
Log In
Verify
Sync
Done!
finikigai is launching on iPhone and Android. Be first in line and we'll let you know the moment it goes live.
finikigai is live on iPhone and Android. Download free and see your balance 30 days out.
Notify Me at Launch Download Free