SikaNest shows what's safe to spend today, so you reach payday with money left over.
Your balance isn't the whole story. Bills, subscriptions and savings all want a piece of it. SikaNest sets those aside first and turns the rest into a steady daily allowance, counted to your payday.
LOG MONEY IN SECONDS
• Type an amount, say it out loud ("15 on lunch"), or snap a receipt
• SikaNest remembers the places you pay and how you file them
• Mark rent, power or a phone plan as a Regular bill, and it's set aside before payday
• Cash, bank and mobile money accounts in one place, with no bank login
• Budget in any of 56 currencies
KNOW WHERE YOUR MONEY GOES
• Budgets: a cap for each category, and what's left of it this month
• Insights: your week, month or year against the one before, where it went and which days cost most
• Money leaks: the small charges quietly draining you
• Financial health: a score out of 100
• Net worth, savings and investments
PLAN AHEAD
• What's coming: the next 45 days of bills, renewals and circle dues, and whether your money covers them
• Subscriptions: what each recurring charge costs you a month, with steps to cancel the big ones
• Goals: save towards something and watch it fill
• Your plan: the few money moves most worth making next, with your own numbers on each
ASK SIKA COACH
Ask about your money in plain words, like "Can I afford this?" or "Why was this month tight?" Sika Coach answers from your own numbers.
SAVE TOGETHER
• Savings circles: run a rotating savings circle with friends and see who has paid and whose turn it is
• Group budgets for shared costs
• An accountability partner to keep you honest
STAY ON TRACK
• Home screen widgets: Quick add, Today, Budgets, What's coming, Savings circle and Goal
• Shortcuts on Home for the tools you use most
• A morning brief and payday reminders
• Badges, streaks and your Money Wrapped
RUN YOUR BUSINESS TOO
Switch on Business mode to keep your business's books apart from your own:
• Sales, expenses and profit, with a monthly report, a tax estimate and an AI review of each month
• Stock with barcode scanning, sizes and colours, expiry dates and low-stock alerts
• Quotes and invoices, sent as a PDF or a message
• A customers book with part payments and WhatsApp reminders
• Daily cash-up, a PIN-locked till, loans and a balance sheet
SAFE AND PRIVATE
• Try it without an account: your data stays on your phone until you choose to back it up
• Lock the app with Face ID or Touch ID
• Two-factor sign-in for your account
• Export all your data whenever you like
SIKANEST PLUS
SikaNest is free to use. Plus adds:
• No ads, anywhere
• Unlimited Sika Coach conversations and receipt scans
• Debt planner and advanced forecasts
• Fresh AI insights every day
• More money accounts
• A second business and staff accounts
Plus is an auto-renewing subscription, paid through your Apple ID. It renews unless you turn it off at least 24 hours before the current period ends. Manage or cancel it any time in your App Store account settings.
Terms of Use: https://sikanest.com/terms/
Privacy Policy: https://sikanest.com/privacy/
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