How it works
A simple monthly rhythm.
Plan it. Live it. Close it. Reconcile it. Print it.
Set up your profile and accounts
Add your name, preferred currency, and decide whether tithe / giving should be auto-calculated and at what rate. Connect your bank, M-Pesa, SACCO, cash and investment accounts. Add any standing debts and subscriptions — these are global, not month-by-month.
Plan each new month
When a new month opens, enter your expected income and build that month's budgets across Essentials, Family, Lifestyle and Financial. Standing categories like rent are pre-filled from your recurring budget lines, so you only set them once.
Log income and expenses as they happen
Every income entry credits the linked account and feeds the dashboard. Every expense lands inside an active budget — out-of-plan spending is flagged as an emergency. Account balances and net worth update live.
Close the month — next month auto-opens
At month end, hit Close month. Fanika generates a reconciliation snapshot (income, expenses, savings rate, debt paid, tithe, net worth) and immediately opens the next month with your recurring lines pre-seeded so you can budget before the 1st. If you try to plan the next month while the current one is still open, you'll be prompted to close it first.
Review, learn, repeat
Run the AI advisor for a trend-aware review (current month + last three closes). Download a printable monthly or quarterly statement. Reopen any past month from History to make corrections without touching the current month.