Features
Every module you need to run a household.
Fanika is a personal finance OS, not a tracker. Each module connects to the next so your numbers always reconcile — fresh income each month, standing lines carried forward, accounts live, statements printable.
Net-income first
Start from your take-home pay in any currency. No country-specific payroll math — Fanika works wherever you live.
Optional automatic tithe
Turn tithe on if you want — pick the rate. Tithe is set aside before disposable income is calculated. Off by default; entirely your call.
Budgets entered each month
Income and budgets are entered fresh each month because life isn't standard. Standing categories (rent, insurance) are added once as recurring lines.
Recurring budget lines
Rent, insurance, school fees — set them once and they auto-seed every new month when you close the previous one.
Expenses inside budgets
Every expense lands inside an active budget category. Out-of-plan spending is flagged as an emergency, not silently absorbed.
Unified accounts
Bank, M-Pesa, SACCO, cash, investment. Balances auto-update with every recorded expense, payment or income receipt.
Net worth tracking
Assets minus liabilities, refreshed live. Cash + investments − debts, with full audit history.
Debt planner
Formal loans (rate, monthly, due date) and informal lending from family & friends — track both, schedule payments.
Subscriptions watchdog
Catch silent recurring drains. Monthly cost, annual projection, pause/resume any time.
Savings goals
Visual progress bars for every goal, with target date and current balance.
Financial calendar
Mark dates with financial implications — bill due dates, expected income, debt deadlines, family obligations, planned giving.
Monthly close & next-month auto-open
Close each month with a reconciliation snapshot. Next month auto-opens with only your recurring lines pre-filled, so fresh income and budgets stay deliberate.
AI advisor with history
A grounded advisor that reads your current month plus the last three closed months and returns a 0-100 health score, trend commentary, and practical recommendations.
Always-on AI assistant
Floating chatbot that answers stewardship and finance questions anywhere in the app.
Printable PDF statements
Generate a monthly or quarterly account statement for your records — income, spend, top categories, accounts, debts, net worth, all on one page.
Devotional layer
Scripture and verified Ellen G. White reflections tied to your stewardship rhythm.
Account control
Clear your data, deactivate your account, or delete it permanently — your data, your call, no hoops.