Oikome keeps one private register of everything your household owns, owes, and pays — then turns it into foresight: cash flow you can see years ahead, scenarios you can test in plain English, and a handover your family could pick up tomorrow.
Oikome is currently invite-only. Every invite includes a fully-populated demo household to explore before you add anything of your own.
Your financial life doesn't live in one place. It lives in eleven apps, four banks, a folder of PDFs, and your head. The bank knows one account. The spreadsheet is three months stale. And the one person who understands how it all fits together... is you. That's the single point of failure Oikome exists to remove.
Every account, asset, liability, contract, and key contact in one normalised dataset — imported from the statements you already have. No bank logins required.
Cash flow projected years ahead, life events on a timeline, and what-if scenarios you type in plain English: “What if we delay the renovation two years?”
A second, plain-English interface for the people who don't live in spreadsheets — where things stand, what gets paid, who to call.
The “if something happens” report: a single branded document of where everything is and who to contact — the thing your family would actually need on day one.
Your data is walled off at the database layer. Every record is row-level secured to your account — enforced by the database itself, not just the app. This isolation has been explicitly audited.
Your statements are never stored. Uploaded statements are parsed in memory and discarded. Only the transactions you review and approve are kept.
No bank credentials. Oikome never asks for your banking logins. You import from statements you already have.
Encrypted in transit and at rest. Hosted in the EU (Ireland).
Honest about the rest. We're a small company, and we treat that as a security feature: a written access policy means your data is never viewed except for a support request you initiate or a security incident — and we'll always tell you exactly what we can and can't see, rather than hiding behind compliance badges.
Oikome is invite-only while we work closely with our first households. Leave your details and we'll send your invite — complete with a fully-populated demo household to explore before you add anything of your own.
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