SikaNomics is a personal finance manager that lets you record income and expense transactions, set savings and debt-payoff goals, track spending by category, set monthly budgets, and explore deep insights into your financial habits. Everything lives in one simple, privacy-first app.

Tap "Get Started" on the homepage or visit the signup page. You can sign up with your email and a password, or use your Google account for one-click registration. No credit card is required.

Yes. SikaNomics is free to use and there are no hidden fees, subscriptions, or paid tiers. You can track transactions, set goals, create budgets, view insights, and read financial articles without paying anything.

SikaNomics is a responsive web app that works great in any mobile browser. You can also install it to your home screen like a native app for quick access and offline support.

From the Transactions page, tap the "New Transaction" button. Choose whether it is income or an expense, enter the amount, pick a category, optionally add a note or date, and save. It appears in your feed instantly.

Yes. Every transaction is flagged as either income or an expense. Your dashboard shows income, expenses, and your net balance so you always know where you stand.

Yes. Assign a category to each transaction, then use search and filters to find specific entries by keyword, category, type, or date range on the Transactions page.

Absolutely. Use the Recurring page to create repeating transactions (weekly, monthly, etc.) for bills, subscriptions, or income. Recurring rules are turned into real transactions automatically on their scheduled dates, so you never miss a scheduled entry.

Open the transaction from your feed, then use the edit button to change any detail or the delete option to remove it. Deleting a transaction permanently removes it from your records.

Go to the Goals page and create a savings goal. Set the target amount and deadline, and SikaNomics calculates the monthly target you need to stay on track. Contributions update your progress in real time.

On the Goals page, choose the debt-payoff goal type, enter your current balance and target payoff date, and SikaNomics works out your monthly payment target to help you become debt-free.

Budgets let you set monthly spending limits per category. As you log expenses, SikaNomics shows how much you have left in each budget, warns you before you overspend, and gives you a health score for how well you are sticking to your limits.

The Insights page breaks down your spending by category, shows daily cash-flow charts, tracks your savings rate over time, and highlights your top spending categories. It also includes smart insights such as unusual spending alerts, recurring-charge detection, your best and worst spending days, and progress nudges toward your goals.

SikaNomics calculates a Money Health score from 0 to 100 based on your savings rate, recurring charges, budget adherence, income stability, and spending consistency. You will see a grade and a clear trend (improving or declining) so you can tell at a glance how your finances are doing.

Yes. The Insights page projects your cash flow over the coming months based on your recurring transactions and typical spending, shows your expected savings rate, and flags recurring charges that appear to have stopped so you can decide whether to cancel them.

Yes. Insights support configurable date ranges, so you can view daily, monthly, or custom periods and compare how your finances evolve.

SikaNomics detects correlations between spending categories (for example, eating out rising together with transport costs) and points them out on the Insights page so you can spot linked habits you might not have noticed.

Open the Reports page and choose a time range (this month, last month, last 3 or 6 months, this year, all time, or a custom range). Pick the sections you want included, set a display currency, and the report is built instantly from your transactions, budgets, goals, and recurring rules.

Reports can include a financial summary (income, expenses, net, savings rate), spending by category, a full transaction list, budgets and how you performed against them, goal progress, active recurring transactions, and smart insights like your Money Health score, top merchants, and spending patterns. You can toggle each section on or off.

Yes. Once your report is ready, use the "Save as PDF" button on the Reports page. It prints a clean, print-friendly version you can save, share, or archive.

Yes. Select "Custom range" on the Reports page and set your own start and end dates, so you can pull reports for any period you like, such as a specific month or the whole year.

Yes. Each report lets you set a display currency. Transactions stored in other currencies are converted to your chosen currency using current exchange rates before they appear in the report.

Yes. SikaNomics supports 150+ currencies. Set a preferred currency, and amounts are stored and displayed consistently across your account.

Open your profile, choose your preferred currency from the list, and save. Your dashboards, transactions, and goal amounts will update to the new currency.

SikaNomics uses live exchange rates to convert between currencies, so cross-currency amounts reflect current market values. You can also visit the Exchange Rates page to see live rates for major currencies at a glance.

Yes. Your data is protected with industry-standard encryption at rest and in transit. Sign-in supports email/password and Google, and your credentials are handled by secure authentication providers.

Click the sign-out button in the navbar or mobile menu. You will be returned to the login page and can sign back in whenever you like.

SikaNomics can send you timely reminders for bills and scheduled payments, budget alerts when you are close to a spending limit, and goal updates. Manage them from the Notifications page.

Yes. From your profile you can permanently delete your account. This removes your account and the data associated with it from SikaNomics.

You can request deletion or export of your data at any time. See our Privacy Policy for details on data handling and your rights.

The Learn page contains articles written by the SikaNomics team covering budgeting, saving, paying off debt, and improving your financial health. It is a free resource for every user, whether you are just getting started or want to sharpen your money habits.

Browse the Learn page for practical guides, review this FAQ, or reach out to our support team anytime. The floating help button in the app takes you straight to the right place.

Everything. Transaction tracking, categories, multi-currency support, goals, budgets, insights, recurring transactions, notifications, and the Learn articles are all included at no cost.

There are currently no paid plans. If pricing ever changes, we will communicate it clearly before any feature becomes paid.