End every month knowing
exactly what happened to your money
Log every account - bank, SACCO, cash, M-Pesa - in one place. See your real monthly picture, set budgets that match your life, and stop guessing.
Free to start · No credit card · No ads
Sound familiar?
Managing money in Kenya is genuinely difficult
Not because you are bad with money. Because you have never had one place to see all of it.
"Where did it all go?"
Pay comes in. Vanishes in days.
You had money on the 28th. By the 5th you're back on Fuliza. You genuinely don't know what happened.
"Is this my M-Pesa or bank balance?"
Three accounts, zero clarity.
M-Pesa, bank, cash - none of them talk to each other. You can't see a true total without doing maths in your head.
"I don't really spend that much... right?"
You budget by feeling, not by fact.
You think rent is the biggest line item. It's actually airtime, boda, and eating out - added together.
"The same bills. Every month. Still a surprise."
Month-end always catches you short.
KPLC tokens, school fees, chama. You knew they were coming. You still ran out.
Simple by design
Up and running in 3 minutes
Three steps and you have more clarity than a year of bank statements.
Add your monthly income
Enter your take-home pay after PAYE, NHIF, and NSSF. That's your real starting number - not your gross.
KSh 52,000 net income → your monthly baseline
Log your fixed obligations
Rent, electricity tokens, loan repayments, chama - the amounts that go out before you spend a shilling.
Rent KSh 15K · Loan KSh 5K · Chama KSh 2K
Track the rest and build toward goals
Log daily spending by category. Watch what is left. Put a name and a deadline on what you are saving for.
Emergency fund · School fees · Holiday trip
Try it now
Pick your income, see your reality
No sign-up needed. Adjust your income and watch the numbers shift.
Your monthly take-home income
Monthly budget breakdown
Typical estimates
Monthly income
KSh 50,000.00
Total expenses
-KSh 38.5K
Left over
KSh 11.5K
You save 23% of your income
Built for Kenya
Designed around how Kenyans actually manage money
M-Pesa, chamas, SACCOs, pay-on-the-28th - PesaPlan is built around the financial reality most Kenyans live with.
M-Pesa included
Add M-Pesa alongside your bank accounts. One view for all your money, wherever it lives.
All your accounts
Equity, KCB, Co-op, SACCO, cash - add as many accounts as you need and track them together.
Budget around your pay date
Set your budget month to start when your salary lands, not on the 1st. Works for weekly and irregular earners too.
Categories that make sense
Electricity tokens, chama contributions, school fees, boda boda - the things you actually spend on.
Chama & group savings
Log chama contributions as a category and track them over time. No more wondering what you have put in.
No finance degree needed
Straightforward language, sensible defaults, and numbers that reflect your actual life.
Everything you need
One place for every part of your money
See the full picture
All your accounts, one real balance. No mental gymnastics.
- Log M-Pesa, bank, cash, and SACCO accounts in one place
- Every transaction categorised and searchable
- Account balance always up to date
Budget with intention
Allocate every shilling before you spend it. Know when you are on track.
- Monthly budget per category
- Visual spending progress
- Goal tracking with timelines
Handle the complicated bits
Debts, SACCO shares, and side income - all tracked, none ignored.
- Track who owes you and who you owe
- Log investment valuations
- Separate employment income from side hustle income
Pay just arrived.
Do you know where it will go?
Two minutes to set up. Instant clarity on your real monthly picture. No spreadsheet required.
Free to use · No credit card · No ads · Built in Kenya 🇰🇪