HŌKIME
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HōkimeA calmer way to understand your money.
Add your accounts, balances, income, bills and transfers. Hōkime brings them together in one private cash-flow forecast, helping you spot tighter periods, explore important decisions and plan before they affect your real finances.
Free 30-day trial. No payment card required.
More than a balance
A bank balance tells you where you are now. Hōkime combines that balance with the money you expect to receive, spend and move between accounts, giving you a clearer view of what may happen next.
Bring current accounts, savings, credit, loans, pensions and other financial accounts into one organised plan.
See when planned bills, transfers and commitments may bring your balance closer to a level that deserves attention.
Test how a large purchase, income change or financial shift might affect your finances.
Accounts and activity
Add each account with its current balance, currency and financial role. View its activity, add transactions and manage recurring income, expenses and transfers in one place.
How Hōkime works
Create your accounts and enter their current balances. Import previous transactions when you want a more complete picture.
Record expected income, bills, expenses and transfers. Add them once or make them recurring.
Hōkime projects how your balances may change and highlights periods that deserve attention.
Transactions and recurring activity
Each account has its own register containing past transactions, upcoming payments and generated recurring activity. Add any transaction from the same place, whether it is income, an expense or a transfer.
Scenarios and decisions
Create a separate scenario for a possible change and see how it could affect the months ahead. Your real plan stays untouched until you decide what to do.
Hōkime helps you understand possible outcomes. It does not provide financial, investment, tax or pension advice.
Leave more room for everything else.
Private by design
Your financial data is encrypted on your device. Hōkime never sees it, so you can rest assured that your data is safe.
Hōkime Personal
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Frequently asked questions
The essentials about Hōkime, the free trial, privacy and the different ways to use the application.
Hōkime is a personal financial planning application that helps you organise accounts, record financial activity and understand how your money may change over time.
Hōkime is pronounced “hoh-kee-meh”.
The name is inspired by the Japanese word Hōkime (箒目), meaning the precise, linear and wave-like calming patterns raked into gravel or sand in traditional Japanese gardens. It reflects Hōkime’s purpose: bringing scattered financial information into a clear, organised plan.
No. You can use the complete 30-day Hōkime trial without providing payment details.
Your trial does not automatically become a paid subscription. You can choose to continue your subscription by adding a credit or debit card once your free trial comes to an end.
No. You can use Hōkime through any supported application for your device.
Hōkime also has an installable web app, known as a PWA, for people who would rather use it through a supported browser.
Web app coming soonHōkime protects your financial data in an encrypted form only on your device. None of your financial data is ever shared with Hōkime.
Read how Hōkime protects your privacy →
