Budget God's way.
Oikos plans your giving first, gives every dollar a job, and tells you exactly when it's safe to spend.
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- Private by design
- No ads, ever
- Built for iPhone
1. Household.
The root of oikonomia — "household management" — where we get the word economy, and the word behind steward in the New Testament. Oikos helps you faithfully manage the household God entrusted to you.
Giving shouldn't come from the leftovers.
Most budgets start with bills and leave giving to whatever's left. Oikos flips it: honor God first, then plan the rest with peace.
"I tithe from what's left over — and there's never much left."
Every dollar has a job — giving first.
Give first —
automatically.
Oikos sets aside your tithe from the top of every paycheck. Want to give more? Anything above 10% becomes an offering. Link your home church and give in one tap.
- Calculated for you — 10% of planned income, every time your income changes.
- Offerings on their own line — 13% becomes 10% tithe + 3% offering.
- Your home church, built in — save its giving link or QR code, get a giving-day reminder.
- A yearly giving summary you can share.
"Honor the LORD with your wealth and with the firstfruits of all your produce."
Not ready to tithe yet? That's okay. Start where you are — Oikos walks with you.
Why can't the tithe go below 10%?
"Tithe" means "a tenth." Oikos explains the biblical reason right in the app — Genesis 28:22, Leviticus 27:30, Malachi 3:10, Matthew 23:23 and Proverbs 3:9. Anything above 10% is an offering. Not there yet? Turn automatic tithing off and start where you are.
Know exactly when
you can buy it.
Tell Oikos what you want to buy. It works through every paycheck — tithe, savings, bills, groceries — and finds the first day it truly fits. Or tells you why to wait. It never suggests a purchase that would leave a bill, your tithe, or your savings short.
- 1 · Paycheck$2,308
- 3 · Joseph Fund−$150
- 4 · Bills, by due date−$1,393
- 5 · Grocery money−$260
- 6 · Safe to Spend$205
- Tap an example above, or type anything with a price. Try a few in a row — Oikos keeps the whole plan in mind.
Smart grocery plan: a bigger shop after payday plus weekly top-ups — adjusted for guests, dinners you're hosting, and days you're out of town. Never "the same amount every day."
A budget that adds up — and fixes itself.
Plan Giving, Saving, Bills, Debt, and Spending — in that order. Multiple paychecks, planned vs. spent vs. remaining, and one-tap fixes when something runs over. No red. No shame. Just a way forward.
Snap it. Say it. Done.
"Typing in every receipt takes forever." Not anymore. Link your bank and cards, scan a receipt and Oikos sorts every item, or just say what you spent.
Camera, photos, screenshots, PDFs, saved emails, or pasted text.
With a built-in calculator. Split the pizza, add the tip, done.
Change your budget
in plain words.
Typed or by voice. Every change shows first with Do it / Cancel — and can be undone. Uses Apple Intelligence on supported iPhones: private, and on your device.
Money and faith, finally together.
"Most budgeting apps leave God out of money decisions." Oikos makes room for Him every day — naturally, never tacked on.
Pray for needs. When God provides, mark it answered — and it becomes an Ebenezer stone. Paying off a debt or reaching a savings goal adds one automatically.
"Till now the LORD has helped us."
About 60 seconds. Build a Faithful streak — next milestone: 30 days.
Short, practical lessons on giving, debt, contentment and planning — rooted in Scripture.
Look back on the week, reflect, and pray over what's ahead.
Get free. Stay free.
Every tool you need to get out of debt, build margin, and plug the leaks.
A clear path to zero — and a stone on your Ebenezer when you get there.
Emergency fund + savings goals — store up in years of plenty. Genesis 41
Find the leaks — "wages… into a bag with holes." Haggai 1:6
See every recurring charge in one place — and what it costs per year.
A cooling-off list for wants. Most of them quietly stop mattering.
Spending trends and activity history, at a glance.
Connected. Synced. Shared.
Your bank, your devices, your Home Screen, and your spouse — all on the same page.
- 🛒Neighborhood MarketGroceries · sorted for you−$39.34
- 💼PaycheckIncome · tithe planned first+$2,308
Read-only access — Oikos can never move your money.
Coming soon: Oikos on iPad and Mac.
Made for real households.
Individuals, couples, families — and the churches that walk with them.
"For the first time, our tithe isn't an afterthought. It's the first line — and we still knew we could afford the kids' shoes."
"It told me to wait until Friday for new tires. No guilt, no red numbers — just a date. That's peace I didn't have before."
"We've taught stewardship classes for years. This is the first app I'd hand to a brand-new believer and a seasoned tither alike."
Sample quotes for layout — replace with real beta feedback before launch.
Your budget
is yours.
Your data lives on your iPhone and your own iCloud. Bank linking is read-only. No ads. No selling your information. Lock it with Face ID.
- Dark mode
- Large text (Dynamic Type)
- VoiceOver
- Color never used alone
- Siri & Shortcuts
- Widgets
Help your church steward well.
Recommend Oikos to your congregation, use it in stewardship classes, and ask about group pricing. A tool that teaches giving first — and keeps people coming back.
- Group pricing for congregations
- Built for stewardship classes
- Your giving link, one tap away
- Faith content members trust
Simple, honest pricing.
Start free. Try everything for 14 days. No ads on any plan.
- Core zero-based budget
- Giving first — automatic tithe
- Fast manual entry & keypad
- Daily check & Faithful streak
- Everything in Free
- Money Calendar & "When can I buy it?"
- Receipt scanning
- Ask Oikos assistant
- Smart fixes & every tool
- Everything in Plus
- Household sharing with your spouse
- Budget together, give together
Questions, answered.
Is Oikos only for people who already tithe?
No. If you tithe, Oikos plans it first automatically. If you're not there yet, start where you are — Oikos walks with you.
Why can't my tithe go below 10%?
"Tithe" means "a tenth." Oikos explains the biblical reason in the app. Anything above 10% is an offering. You can turn automatic tithing off anytime.
Does Oikos connect to my bank?
Yes — read-only. Link your bank and cards and transactions come in automatically. Oikos can never move your money.
Is my data private?
Yes. Your budget is stored on your iPhone, Oikos doesn't sell data or show ads, and you can lock the app with Face ID.
Is it like EveryDollar?
It uses zero-based budgeting too, but adds giving-first planning, the Money Calendar, receipt scanning, an AI assistant, and faith features built in — in a calmer, grace-filled design.
Is it available on Android?
iPhone first (iOS 17+). iPad and Mac are planned; Android depends on demand — tell us you want it.
Can my church use it?
Yes — reach out about group pricing and stewardship classes.
Is Oikos financial advice?
No. Oikos is a budgeting and planning tool. It helps you see your own numbers clearly, but it isn't a substitute for advice from a licensed financial professional.
Steward it well.
Be first to try Oikos.
- Early members get Plus free for 3 months
- First sign-ups get a TestFlight beta invite
- Launch news only. Unsubscribe anytime.
"Moreover, it is required of stewards that they be found faithful."
We'll email you the moment Oikos is ready — and early members get Plus free for 3 months.
Know a friend or a pastor who'd love this?