Know what's safe to spend today.
Kikosafe keeps money aside for your bills and goals, and tells you what's left to spend today — in your language, without connecting your bank.
📱 Coming soon to iOS & Android
How it works
Three steps. No spreadsheets.
Tell us about your life
Answer a few yes/no questions. Kiko builds your bills and savings pots automatically — no bank login.
Kiko fills your pots
Car tax, insurance, holidays, Christmas — the costs that catch people out are set aside a little each payday.
Spend today, worry-free
One number tells you what's safe to spend today. Log it in seconds. Watch your streak grow.
Why people love it
Calm money, every day.
No bank connection
Your money stays private. No linking, no tracking, no ads.
Your pots, your goals
Save for what matters and spend from a pot without the guilt.
Every month, wrapped
A shareable recap of your month — streak, pots, and what your year really costs.
In your language
English, Nederlands, Deutsch, Español, Français, Italiano, Português.
Your money, nobody else's business.
Kikosafe is local-first: your money stays on your phone, not on our servers. No bank login, no ad tracking, no selling your data — ever. We use anonymous, aggregate stats to improve the app, and you can turn them off.
Be first in line.
Leave your email and we'll tell you the moment Kikosafe launches.