Four things.
In the right order.
Sika is built around a simple loop: see what you have, track what you spend, understand where you stand, take action. Everything else follows from that.
Connect your bank
Link your accounts through Plaid in under a minute. You authenticate directly with your bank, Sika never sees your login credentials. Plaid provides read-only access to your balance and transaction history. You can disconnect at any time and all data is deleted immediately.
- ✓ 10,000+ US, Canadian, and European banks supported
- ✓ Reconnects automatically when tokens expire
- ✓ All data encrypted in transit with TLS 1.3
- ✓ Disconnect removes all linked data immediately
Transactions categorise themselves
Once your bank is connected, Sika imports your transactions and automatically assigns them to categories: Groceries, Dining, Housing, Transport, Shopping, Health, and more. You can adjust any category and Sika will remember your preference for that merchant going forward.
- ✓ Auto-categorisation using merchant data
- ✓ Adjust categories, Sika learns your preferences
- ✓ Monthly budget limits set by you per category
- ✓ Real-time progress visible throughout the month
Your Financial Health Score updates
Once a month, Sika calculates your Financial Health Score, a single number from 0 to 100 reflecting four things: your savings rate, debt load, spending control (how close you are to your budget limits), and goal progress. It tells you where you stand without requiring you to interpret six separate charts.
- ✓ Scores 0–100 across four factors
- ✓ Updated monthly based on your real data
- ✓ Breakdown shows exactly which factors are driving it
- ✓ Trend line shows improvement over time
Take action with context
Budget tracking, debt planning, savings goals, spending runway, every Sika feature is paired with a guide from Subfinancing that explains the concept behind it. You can understand why you're doing something, not just what the number says. Free tier covers the essentials. Premium unlocks the deeper tools.
- ✓ Debt payoff planner: avalanche & snowball
- ✓ Spending Runway: days of balance remaining
- ✓ Weekly Check-In digest of key trends
- ✓ Every feature linked to the relevant Subfinancing guide
Sika is coming soon to iOS and Android. Free to start, no credit card required.
Coming soon