HŌKIME
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HōkimeFeatures
Everything you need to understand what may happen next.
Hōkime brings your accounts, balances, transactions and future plans into one private financial workspace. See how your money may change, understand what is driving the forecast and explore decisions before making them real.
One connected plan
From everyday transactions to the months ahead.
Your financial life does not sit inside a single account or stop at the end of the month. Hōkime connects the money you have today with the income, expenses, transfers and decisions that may shape what comes next.
Cash-flow forecasting
See how your balances may change over time.
Hōkime starts with the balances in your accounts and combines them with the activity you expect in the future. Income, bills, expenses and transfers are applied to the relevant accounts to create a clear forecast of the months ahead.
- Review your complete plan or focus on an individual account.
- Choose a useful planning period.
- See expected income, expenses and transfers in context.
- Identify the lowest expected balance in the selected period.
Forecasts depend on the information and assumptions you add. They describe possible outcomes rather than guaranteeing what will happen.
Projected balance€6,820
Next 6 monthsIncome€28,600
Bills & expenses€21,780
Transfers€3,000
Lowest expected€620
Accounts and transactions
Keep every account and movement where it belongs.
Create accounts for everyday banking, savings, borrowing, investments and other parts of your financial life. Each account keeps its own balance, currency and activity while remaining part of your wider plan.
- Organise multiple account types in one workspace.
- Keep balances in their original currencies.
- Add income, expenses and transfers through one transaction flow.
- Archive accounts without losing their historical context.
AccountsYour accounts
AccountTypeBalance
Main checkingCurrent account€2,450.75
SavingsSavings€6,200.00
Credit cardCredit−€1,250.45
Investment accountInvestment€12,750.00
Real financial activity
Record it once. Let the plan carry it forward.
Regular income, bills, subscriptions, repayments and transfers can be added from the relevant account. Hōkime includes recurring occurrences in the forecast alongside one-off transactions and imported history.
- Create one-off or recurring income, expenses and transfers.
- Review completed, upcoming and recurring activity together.
- Import supported CSV statements.
- Detect duplicate imports and reconcile account balances.
Main checkingAccount activity
AllCompletedUpcomingRecurringSearch transactions
DateDescriptionCategoryAmount
19 MaySalaryIncome+€2,200.00
18 MayRentHousing−€1,580.00
17 MayGroceriesFood−€86.45
15 MayElectricityUtilities−€75.00
12 MayTransfer to savingsTransfer−€250.00
Scenarios and decisions
Explore a possibility without changing your real plan.
Create separate scenarios for possible changes, compare their effects on your current plan and adjust or remove them without altering the accounts and transactions underneath.
- Keep scenarios separate from real financial activity.
- Compare a possible outcome with the current forecast.
- Change dates, values and assumptions as you explore.
- Remove a scenario without undoing your real plan.
Hōkime helps you explore the figures you provide. It does not recommend which financial decision you should make.
Scenario comparisonNew car
Jun–Nov Current plan New car
Lowest balance in scenario€240 in November
One plan for today.
A clearer view of what may come next.
Beyond everyday cash flow
Bring longer-term commitments into the same clear view.
Keep pensions, investments, borrowing and other longer-term accounts alongside everyday finances. Contributions and planned repayments remain connected to the wider picture without being confused with ordinary spending.
- Keep longer-term account balances alongside everyday accounts.
- Record contributions and planned repayments.
- Explore changes using your own assumptions.
- Export information for your records or an adviser.
Hōkime does not provide investment, pension, tax, debt or regulated financial advice.
Longer-term accountsCommitments and contributions
Monthly pension contribution€620Recurring transfer
Loan repayment€350Monthly expense
Possible extra repayment€100Separate scenario
Private by design
Your financial workspace is built around your control.
Your financial records are encrypted and only stored on your device or devices. None of your financial data is ever shared with Hōkime.
- Your financial records are encrypted on your device.
- Your financial data cannot be used or shared by Hōkime.
- Export your information when needed.
- Move your encrypted financial records securely between your devices.
Workspace controlsYour data and access
Encrypted workspaceReadable financial records remain protected on authorised devices.
ProtectedExport your dataCreate a portable copy for your own records.
ExportEncrypted backupMaintain a recoverable copy of your workspace.
Back upDelete accountPermanently remove your account and associated data.
DeleteWhere you plan
Hōkime is available on Android, iOS, Windows and Mac.
Hōkime provides secure apps through official app stores.
View Hōkime app availability →Projected balance€6,820Next 6 months
Income €28,600Expenses €21,780Lowest €620
HōkimeProjected balance€6,820Lowest expected €620