SikaNest is live on iPhone and Android. Download it free →

Get to payday with money left over.

SikaNest turns your mobile money alerts, receipts and cash spending into a live budget — then coaches you through the month in plain language. No bank linking. No spreadsheets.

Download on the App Store Get it on Google Play
See how it works
  • Free to download
  • No bank login needed
  • Cancel anytime
The SikaNest home screen: a total balance of 3,418 cedis and 40 pesewas across three accounts, a breakdown of where July's money went, spotted spending patterns, and budget progress for family support and data & airtime.

Paste alerts from

  • MTN MoMo
  • Telecel Cash
  • AirtelTigo Money
  • G-Money
  • Zeepay
  • Hubtel
  • Bank SMS alerts

No bank linking, no logins. Cash, voice and receipts work anywhere, in any currency.

Your AI money coach

One coach for your whole money life.

Most budget apps only see bank feeds. SikaNest is built for mobile money, cash and everything in between.

Capture every spend

Paste a mobile money or bank alert, snap a receipt or say it out loud. SikaNest picks out the amount, who you paid and the category for you.

Pasted alert

Payment of GHS 355.00 to KOFI TRANSPORT SERVICES. Fee: GHS 0.00. Your new balance is GHS 1,204.50. Transaction ID: 7342188.

T Kofi Transport ServicesTransport · Mobile money · Today −₵355.00Logged

Ask, don't dig

Sika Coach answers questions like “why am I always broke before payday?” using your real numbers.

Can I afford takeout tonight?

Yes — ₵64 left for eating out this week. Keep it under ₵40 and you stay on pace for payday.

Example answers. Educational guidance — not licensed financial advice.

Know how long your money lasts

The salary survival meter weighs your spending pace against the days to payday — and tells you what to trim.

Left this month ₵1,254 Payday in 16 days

At ₵118 a day your money runs out in 10 days. Trim ₵40 a day to reach payday.

Budgets that keep pace

Set caps by category and see at a glance which ones are running hot.

Money leaks, found

Small repeat spends that quietly drain you — found, totalled and easy to plug.

  • Data bundles×14₵168
  • Street snacks×22₵132
  • Ride fees×9₵81

A month you could keep ₵381

How it works

From first alert to full coaching in a week.

The SikaNest home screen, showing total balance, where the month's money went and budget progress. The budget screen: total budget used, the AI Budget Builder and a cap for every category. The Sika Coach chat screen, explaining why money runs out before payday.
  1. 01

    Bring your money in

    Paste mobile money alerts, snap receipts or just say it — “ten cedis, taxi”. SikaNest picks out the amount, merchant and category for you.

    The SikaNest home screen, showing total balance, where the month's money went and budget progress.
  2. 02

    Get your real baseline

    Within days it knows your true spending pace, and the AI Budget Builder shapes budgets around it — not a fantasy plan.

    The budget screen: total budget used, the AI Budget Builder and a cap for every category.
  3. 03

    Stay coached

    Nudges arrive before you overspend, not after — “trim ₵24 a day and you'll reach payday safely.”

    The Sika Coach chat screen, explaining why money runs out before payday.

Susu circles

Save together, turn by turn.

Run your susu with friends, family or workmates. Money still changes hands the way it always has — SikaNest keeps the circle's record, so nobody has to carry it in their head.

  1. Whose turn One member collects each round, in the order your circle agreed.
  2. What's due Everyone sees the date, and SikaNest reminds you before it.
  3. Who's paid Members mark their share paid and the collector confirms the pot. The whole circle sees it.

Invite with a link or a six-character code.

Circle size
  • Paid this round
  • Has collected
  • Collecting now

Goes deeper

Built for real life.

Family support, a side business, the susu you run with friends — SikaNest makes room for the way money actually moves.

Debt planner Plus

Loans, credit and buy-now-pay-later in one payoff order, with a finish date.

Business mode

Keep shop money and personal money apart — sales, expenses, loans and customers who owe you.

Susu circles

Keep your circle's record in one place — who's paid, whose turn it is and what's due.

Subscriptions

Every recurring service, what it costs you and when it renews — with a nudge before it does.

Goals

Save towards what matters — school fees, rent, a new phone — and watch the gap close.

What's coming

Bills and renewals ahead of time, with reminders before they're due.

Group budgets

Budget together with family or housemates, or bring in an accountability partner.

Money Wrapped

A shareable year-end recap of your money story — wins, streaks and all.

Privacy

Private by design.

SikaNest never asks for your bank or mobile money login. It works from the alerts you choose to share — and you stay in control.

No account linkingYour PINs and passwords are never requested.
You choose what's sharedOnly the alerts you paste and receipts you snap are read.
Encrypted in transit and at restProtected on the way to our servers and while it's stored.
Delete anytimeRemove your account and everything in it, whenever you like.

SikaNest reads

  • Reads: Payment alerts you paste
  • Reads: Receipts you choose to snap
  • Reads: Entries you type or speak

Never touches

  • Never touches: Your bank or wallet logins
  • Never touches: PINs and passwords
  • Never touches: Your other messages or contacts

Pricing

Start free. Upgrade for smarter decisions.

Starter

Free

Everything you need to see your money clearly.

  • Track spending by typing it or pasting an alert
  • Budgets, goals and bill reminders
  • Susu circles and subscription tracking
  • Coach chats, voice logs and receipt scans to try each month
Download free
Most popular

Plus

₵30/month

or ₵288 a year — save 20%

  • Everything in Starter
  • Unlimited Sika Coach conversations
  • Unlimited receipt scans
  • Fresh AI insights every day
  • Debt planner and advanced forecasts
  • More group budgets and money accounts
  • No ads
Get Plus in the app

Prices in Ghana cedis — outside Ghana, the app shows your price before you pay · SikaNest tracks any currency · Cancel anytime

FAQ

Questions, answered.

Anything else? Write to info@sikanest.com and a person will reply.

Do I need to link my bank or MoMo account?

No. SikaNest works from the transaction alerts you paste — no logins, no PINs, no account access. Cash spending goes in by voice, receipt photo or a quick tap.

Which networks and banks does it read?

Alerts from Ghana's mobile money networks — MTN MoMo, Telecel Cash, AirtelTigo Money, G-Money, Zeepay and Hubtel — and from Ghanaian banks, with new formats added over time. Typing, voice and receipts work anywhere from day one.

What about cash spending?

Say it out loud (“ten cedis, taxi”), snap the receipt, or tap it in. Typed entries work offline too and sync when you're back online.

Is my financial data safe?

Yes. Your data is encrypted in transit and at rest, never sold, and the coach only ever reads your own numbers. You can delete your account and everything in it at any time.

Is Sika Coach financial advice?

No. Sika Coach gives educational guidance based on your own numbers. It isn't licensed financial advice, so big decisions still deserve a qualified professional.

How much does it cost?

SikaNest is free to download, and Starter stays free. Plus is ₵30 a month (or ₵288 a year) and unlocks unlimited coaching, daily insights, the debt planner and more group budgets. You upgrade from inside the app, whenever you're ready.

Where do I get SikaNest?

On the App Store for iPhone and on Google Play for Android. It's free to download — search for “SikaNest”.

Does SikaNest work outside Ghana?

Yes — track in any currency, anywhere, by typing, voice or receipt. Reading pasted SMS alerts is tuned for Ghana's networks and banks today.

Free on iOS and Android

Reach your next payday with money left.

Download SikaNest from the App Store or Google Play. Bring in your first alert and the coach takes it from there.

Download on the App Store Get it on Google Play
QR code that opens sikanest.com/get on your phone On your computer?Point your phone's camera at the code to get the app.

Free to download · No bank linking · No card required