See Every PennyMake It Count.

SikaNomics keeps your whole financial life in one place: income and expenses, debts and loans, budgets, savings goals, recurring payments, exchange rates, insights, reports and alerts. You can see what you can afford, pay down what you owe, and watch your progress toward goals — all in the currency you think in.

Yes. SikaNomics keeps both sides in one debt ledger. Add what you lent out or borrowed, then record repayments, extra amounts, interest and write-offs — the outstanding balance updates itself. Money you lend or borrow is never counted as income or spending, so your budget stays truthful.

No. SikaNomics never asks for your bank login and cannot move money on your behalf. You record what happens, and in exchange your banking credentials are never exposed to us. You can delete your account and all of your data at any time.

Yes. Use the Recurring page to set up recurring income or expenses with a frequency (weekly, monthly, etc.) and start date. They process automatically and appear in your transaction history.

Yes. Enter each amount in the currency you actually paid or received it in, and SikaNomics keeps the original value intact while showing the whole app in your preferred currency using live rates for 150+ currencies.

Yes. Create budgets per spending category with a limit in any currency. Your dashboard shows how much you've spent and how much remains for each budget.

Yes. Head to the Goals page and create savings or debt goals with a target amount, currency, and deadline. Log contributions and watch your progress bar fill in real time.

Yes. Configure email notifications for budget warnings, goal milestones, and important account activity from the Notifications page. You're always in control of what alerts you receive.

Your data stays yours. Sign in with email or Google, backed by industry-standard encryption at rest and in transit. You can delete your account and all data anytime from your profile.