About Oikome
From the Greek oiko, meaning household — because economy was always about the household.
Your finances, finally in one place
You have a current account, maybe a savings account, a credit card or two. A mortgage. A pension you set up years ago. Perhaps an ISA, some investments, a property. Each one lives in a different app, a different login, a different statement.
Oikome brings it all together. Every account, every asset, every liability — consolidated into a single, real-time view of your household's financial position. Your true net worth, updated and accurate, without the spreadsheet gymnastics.
AI that understands your money
Upload a bank statement — CSV, PDF, or even a screenshot — and Oikome reads it, extracts your transactions, and categorises them intelligently using AI. Not rigid rules that break when your bank changes a label. Contextual understanding that knows the difference between a Tesco grocery shop and a Tesco fuel stop.
Your spending patterns surface automatically. Where your money actually goes, which subscriptions you're paying, what's changed month to month — all without you lifting a finger.
See what's coming
Most finance apps show you where your money went. Oikome shows you where it's going.
Forward-looking cash flow projections take your recurring income and outgoings and map your balance into the future — so you can see exactly when money will be tight, and when you'll have room to move. No more guessing whether you can afford something next month.
Ask any 'what if' — and see the answer
This is where Oikome changes the game.
Type a question in plain English: "What if I go part-time?" "What if mortgage rates rise by 2%?" "What if we have a child next year?" Oikome's AI turns your question into a full financial scenario — modelling the impact on your net worth over 1 to 30 years.
Compare two or three different futures side by side. See exactly how each life decision ripples through your finances over time. Adjust the assumptions, tweak the numbers, and watch the projections update instantly.
It's the kind of planning tool that corporations pay millions for. Built for your household.
Budgets that build themselves
Oikome analyses your real spending history and generates a smart budget based on what you actually spend — not what you think you spend. Rounded, realistic, and ready to use from day one. Adjust it to your goals, and your cash flow projections update to match.
Tax clarity, not tax surprises
See your estimated income tax, national insurance, and capital gains at a glance. Understand which tax band you're in, how your income breaks down, and where opportunities to optimise might exist — all year round, not just in January.
Oikome is in early access. We're building the financial planning platform that households have always deserved — and we're just getting started.