Plan it, live it, close it
One rhythm repeated every month: plan before it starts, record as it happens, close it when it ends. Nothing carries forward that shouldn't.
August budget
KES 85,000
KES 58,200 spent · 68% used
Healthy
Healthy
Healthy
Approaching limit
Set up once
Add your currency and your accounts — bank, mobile money, SACCO, cash and investments. Enter standing debts and subscriptions. These live outside the monthly cycle, so you never re-enter them.
Plan before the month starts
Budget across essentials, family, lifestyle and financial goals. Recurring lines are pre-filled from your standing setup; everything else opens at zero so each decision is deliberate.
Record as it happens
Income credits the account it lands in. An expense sits inside a budget category and debits the paying account, transaction fees included. A debt repayment reduces the loan, debits the account and logs the expense in one step.
Close and reconcile
Closing a month stores a snapshot you can print, then opens the next month with only your recurring lines. Balances, debts, subscriptions and investments carry over — budgets and income don't.
Review and adjust
The advisor compares this month against your recent history and returns a health score, what changed, and the two or three moves worth making next.
The month reads itself back to you
Every entry updates your health score, savings rate and category trends immediately — so the review at month end confirms what you already knew, instead of surprising you.
Insights
You spent more on dining
Dining rose 24% versus last month.
View spending →
You're close to a goal
KES 8,500 away from your target.
Add contribution →
Transport is improving
Down 11% this month. Keep going.
See trend →
Good morning, Brian
You saved KES 32,700 this month
That's 27% of your income.
Total balance
124,500
+8.4%
Income
180,000
+12%
Expenses
72,500
−4%
Savings
48,000
+9%
Budget vs actual
Where money went
Housing 42%
Food 24%
Transport 18%
Other 16%
Start with next month
Set up your accounts today and open your first fully planned month in minutes.