How Fanika works
One rhythm, repeated every month: plan before it starts, record as it happens, close it when it ends. Nothing carries forward that shouldn't.
01 — Set up once
Add your name and preferred currency, then your accounts: bank, mobile money, SACCO, cash and investments. Enter standing debts and subscriptions. These live outside the monthly cycle, so you never re-enter them.
02 — Plan the month before it starts
When a month opens, budget across essentials, family, lifestyle and financial goals. Recurring lines like rent and school fees are pre-filled from your standing setup; everything else starts at zero so each decision is deliberate.
03 — Record as it happens
Income credits the account it lands in. Expenses sit inside a budget category and debit the paying account, transaction fees included. A debt repayment reduces the loan, debits the account and logs the expense in one step.
04 — Close and reconcile
Closing a month stores a snapshot you can print, then opens the next month with only your recurring lines. Balances, debts, subscriptions and investments carry over — budgets and income don't.
05 — Review and adjust
The advisor compares this month against your recent history and gives you a health score, what moved, and what to do next. Reports export as PDF, Excel or CSV whenever you need them.
