Coach
Capture every spend
Mobile money, bank alerts, cash, receipts — log any spend in under five seconds, even offline.
Paste a payment SMS
Snap a receipt
Say it out loud
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.
Free to start
No bank account needed
Cancel anytime
- 1,000+
- on the waitlist
- ₵4.2M
- tracked
- 4.8
- average rating
Works alongside how you already pay
M-PesaMobile MoneyAirtel MoneyGCashbKashBank SMSCards
Any network, any currency — no bank linking required
AI financial coach
One coach for your whole money life.
Most budget apps use only bank feeds. Sikanest is built for mobile money, cash and everything in between.
Ask, don't dig
The coach answers questions like “why am I always broke by the 20th?” using your real numbers.
Can I afford takeout tonight?
Yes — ₵14 left in Dining this week. Go ahead.
Plan around payday
Envelopes split your salary the day it lands, so bills, family and goals are covered first.
Bills₵420 of ₵520
Food₵610 of ₵1,100
Family support₵200 of ₵600
How it works
From first SMS to full coaching in a week.
Bring your money in
Paste mobile money alerts or snap receipts. Sikanest reads the amount, merchant and category automatically.
Get your baseline
Within days it knows your real spending pace and builds envelopes around it — not a fantasy budget.
Stay coached
Nudges arrive before you overspend, not after — “trim ₵24/day and you'll cross payday safely.”
Try it for free
The home dashboard, the coach and your budget — exactly as they look on your phone.
Goes deeper
Built for real life.
Salary survival meter
See how many days of money you have left at your current pace — and what to trim.
Money leaks
Small repeat spends that quietly drain you — found, totalled and easy to plug.
Debt planner
Credit cards, buy-now-pay-later, loans — one payoff order, one finish date.
Business mode
Keep shop money and personal money separate — without a second app.
Social obligations
Funerals, weddings, family support — planned for, so they never derail the month.
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 nothing leaves your control.
No account linkingYour PINs and passwords are never requested.
You choose what's sharedOnly the SMS you paste or forward are read.
Encrypted end to endData is encrypted on your device and in transit.
Export or delete anytimeYour data is yours — take it or wipe it in one tap.
Your data, in your control
Sikanest reads
- Reads: Payment SMS you paste or forward
- 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.
- Unlimited tracking — SMS, voice, receipts
- 3 payday envelopes
- 1 savings goal + bill reminders
- Weekly money summary
Premium
₵30/month
or ₵288/year — save 25%
- Everything in Starter
- Unlimited coach conversations
- Money leaks, insights & reports
- Debt planner & business mode
- Group budgets & accountability partner
Prices shown in Ghana cedis — Sikanest tracks any currency · Cancel anytime · Free during beta
Questions, answered.
Do I need to link my bank or MoMo account?
No. Sikanest works from the transaction SMS you paste or forward — no logins, no PINs, no account access. Cash spending goes in by voice, receipt photo or quick add.
Which networks and banks does it support?
M-Pesa, MTN MoMo, Airtel Money, GCash, bKash and SMS alerts from most major banks are parsed out of the box, with new formats added continuously. Manual, voice and receipt logging work anywhere from day one.
What about cash spending?
Say it out loud (“ten cedis, taxi”), snap the receipt, or tap it in. Logging takes seconds, and it works offline — entries sync when you're back online.
Is my financial data safe?
Yes. Data is encrypted on your device and in transit, never sold or shared, and the coach only ever reads your own numbers. You can export or delete everything at any time.
How much does it cost?
Starter is free for good. Premium is ₵30/month (or ₵288/year) and unlocks the full coach, insights, debt planner and business mode. Everything is free during beta.
Does Sikanest work in my country?
Yes — Sikanest works anywhere, in any currency. Voice, receipt and manual logging are available everywhere from day one, and SMS parsing covers major mobile money networks and banks, with more added continuously.
Join 1,000+ users getting to payday
with money left.
Early access rolls out weekly. Free during beta on iOS and Android.
No bank linking · No card required · Unsubscribe anytime