PesaPlanner helps you organise money life — campus, home, personal or biashara. Track M-Pesa activity, plan budgets, bills and debts, and see what is already committed kabla hujajipanga kutumia the same shilling twice.
Being a university student in Kenya is an adventure. You attend lectures, chase CAT marks, submit assignments at 11:59 p.m., survive group work where one member disappears like the 11th digit of an M-Pesa code, and somehow attempt to eat three meals a day. Then there is money.
Five minutes ago, you were feeling like a CEO. Now you're calculating whether walking to campus counts as both exercise and financial planning. Welcome to the Kenyan campus economy, where your M-Pesa balance can look rich while your actual financial situation is holding a crisis meeting.
Hundreds of messages. Deposits, payments, withdrawals, transfers, fees, airtime, food, fare. Everything is there — somewhere between last week's shopping and that suspicious transaction you cannot remember making.
"Your Honour, Exhibit A: KSh 150."Monday: financially responsible. Tuesday: you record lunch. Wednesday: you forget fare. Thursday: "Nitarekodi baadaye." Friday: your budget is a beautiful work of fiction.
Manually tracking takes effort.Having KSh 5,000 does not necessarily mean you can spend KSh 5,000. Rent needs money. Food needs money. Transport needs money. Bills are waiting. That friend you borrowed from has suddenly developed excellent communication skills.
"Niko na ngapi?"One snack is affordable. One fare is manageable. One data bundle is necessary. But combine snacks, lunch, random shopping, airtime, transport and those "si ni mia tu" moments across a month — and your money starts doing disappearing acts.
Wapi ilienda? Who escorted it?Rent deadlines, electricity tokens, academic supplies, a broken charger, an emergency trip home — life has a talent for introducing expenses when your account is least prepared. Your budget said everything was under control. Life replied: "Sawa, watch this."
The charger chose violence.You lend someone KSh 500. "Bro, nitakurudishia kesho." Tomorrow becomes next week. Next week becomes next month. By the time the semester ends, your money has apparently graduated without you.
Witness protection, apparently.Should you cook or buy food? Do you already have unga? How much will today's meals cost? Is that cheap meal actually cheap when you buy it five times a week? Meanwhile, the unga is waiting patiently for its opportunity to contribute to the household economy.
Cook vs. buy.Commuters, cooks, HELB recipients, hustlers, freelancers. A student who walks to campus has different transport costs. One generic budget cannot perfectly describe every comrade's life.
Different strokes, different folks.You should be thinking about your degree, your projects, your future. Instead, you're reconstructing last month's spending, remembering who owes you, calculating fare for next week, and guessing whether you can afford a purchase.
A unit with three CATs. No supp.PesaPlanner is an offline-first money-management app built around Kenyan life — from campus and household budgets to personal finances and small biashara. It helps you tell the difference between money in your account and money that is already spoken for.
Except this friend can organise your transactions, help you monitor commitments, track debts, structure budgets, support meal planning, and give you a clearer picture of your finances without demanding a daily consultation fee.
Where is my money coming from?
Where is it going?
What have I already committed to spending?
What can I realistically afford next?
PesaPlanner is not a bank, a lender, or a replacement for M-Pesa. It is a personal financial management tool. And unlike a financial system that assumes everyone lives the same way, PesaPlanner is being built with Kenyan campus realities in mind: HELB, upkeep, rent, matatu fare, hostels, kibandas, side hustles, Fuliza, informal debts, and the legendary struggle of making money last until the next inflow.
PesaPlanner: Because "nitajipanga" deserves an actual plan.
Start with the full 4-minute walkthrough, then dive into the short ads we've produced for the launch — each one built around a real moment in Kenyan campus money life.
The launch ad. Every semester, money disappears — PesaPlanner knows where.
0:30Ask your money anything — even whether the weekend plans are actually affordable.
0:15What a "cheap" lunch really costs when you eat it five times a week.
0:15"Bro, nitakurudishia kesho." The debt tracker exists because kesho is not a database.
0:15Cook, buy, or check what's already in the cupboard. Meal planning meets kitchen stock.
0:15The day upkeep lands and you feel like a shareholder. PesaPlanner makes it last the semester.
0:15Every comrade has different economics. PesaPlanner fits your life, not a template.
0:15PesaBuddy speaks English, Kiswahili, and Sheng — including the mix.
0:15From M-Pesa imports to month-ahead planning, PesaPlanner brings everyday money tools together for students, households, individuals and small biashara.
Your M-Pesa messages already contain a lot of information about your financial life. PesaPlanner helps turn supported transaction messages into a structured financial record. Instead of entering every transaction manually, the app processes recognised messages and organises the information into useful records.
Scan supported M-Pesa and Airtel messages, or import an M-Pesa CSV or readable password-protected PDF statement. Imported rows wait in a review queue alongside scanned messages. Check categories and details before saving; duplicate matching helps prevent a statement and SMS from recording the same payment twice.
Reduce repetitive bookkeepingStart with the balances you report across M-Pesa, cash and bank accounts. PesaPlanner accounts for commitments due today and recent spending pace to estimate what may be safe to spend. Rent still gets its say — a balance is not the same as spare money.
Context, not just confidence.A central view of your recorded financial position: income, expenditure, budgets, upcoming commitments, insights and alerts. One place to start — instead of opening multiple screens to figure out what's happening.
"Niko sawa, ama ni balance?"Organise spending across rent, food, transport, airtime and data, academic supplies, personal purchases, bills and savings. A budget doesn't mean no fun — it means you know whether the chips are coming from the snack budget or the rent budget.
Give every shilling a job.Understand patterns across categories and trends. Realise that transport costs more than expected, or that frequent small purchases collectively consume a substantial portion of your budget. Replace "I don't know where the money went" with a clearer picture.
Your money left clues.HELB upkeep, support from home, freelancing, small businesses, casual work, online gigs. See money coming in and how it relates to your financial position — instead of treating every increase as unexplained financial magic.
HELB imeingia? Nice.Track rent, tokens, data, subscriptions and other obligations. PesaPlanner can surface likely recurring payments with a confidence level, usual amount, interval, next expected date and estimated yearly cost. Confirm a pattern, turn it into a bill or dismiss it. Set bill and daily-plan reminders, plus an optional nightly savings-sweep check.
Rent shouldn't be a surprise.Keep track of money you have lent or borrowed, the amount outstanding and repayments recorded so far. That KSh 500 you lent your friend has not disappeared from the history of humanity. PesaPlanner keeps a record; it cannot guarantee repayment.
"Nitakulipa kesho" ≠ database.Buying a laptop. Replacing your phone. Preparing for a semester expense. Building an emergency reserve. Saving for accommodation or a move. Make your goals visible instead of waiting to see whether money somehow remains at the end of the month.
Future you says thanks.Look beyond your immediate cash balance. Where information is available, PesaPlanner brings recorded assets and liabilities into a broader financial summary — adding perspective to day-to-day money management.
The bigger picture.Locate individual transactions, review financial activity and understand spending across a selected period. No need to start a family WhatsApp investigation just to establish what happened to KSh 800.
Investigative comrade mode.Food is not an optional lifestyle subscription. It is a recurring requirement, and its cost matters. Organise meals and consider food expenses alongside your wider budget — cook or buy, cheap or cheaper, planned or impulsive.
Feed the body and the brain.Track recorded food supplies and ingredients — support meal planning and consider what's already available before purchasing more. Also organise recorded personal items. Before buying more unga, check whether the unga from last week is still patiently waiting for its big moment.
What do you already have?Bring accommodation, food, academic costs, starting funds, expected income such as HELB, fees owed and semester dates into one view. See money in and out, time remaining, semester health and an estimated position at the end. Add your commute fare, route stages, travel days and class times for weekly and monthly transport estimates; suggested entries remain reviewable. For a chama, save the contribution, member order and cycle to see whose turn is next. Marking a turn paid advances the rotation; payments are not collected in the app.
Think beyond today.Choose Student, Personal, Household or Business and the dashboard, navigation and quick-entry categories adjust to that starting point. Student setup can ask about campus, housing and commuting; biashara gets sales and stock tools; household planning starts with home costs. You can use sample data to explore. Household setup helps organise records on your device; it does not mean shared logins or cloud sync. A budget should fit your life — not assume everyone lives in the same hostel.
Different economics for every comrade.Ask PesaBuddy in English, Kiswahili, Sheng or a mix. It answers from information saved in PesaPlanner, helps you find screens and guides supported actions using local matching — si chatbot ya kubahatisha numbers.
Ask about balances, flexible money, safe-to-spend today, bills, debts, goals, income, transport, transactions, spending comparisons, what changed, a morning briefing or your semester outlook. Buddy can open screens, change display settings, prepare a days-long survival plan and compare a purchase, late income or rent change against conservative, normal and aggressive spending scenarios.
It can also prepare actions: add a transaction, budget, bill, debt, savings goal, income source or reminder; edit a bill or due date; record a debt payment; reclassify or delete a transaction; or manage supported business stock and pantry records. Money-changing actions ask for confirmation. Deleting one transaction at a time can be undone — hakuna cloud chatbot making up your numbers.
Yes — it should understand that "Niko na thao tano, lakini niko broke" is not necessarily a mathematical contradiction. It may mean that the money already has five appointments.
The important rule: PesaBuddy works from your saved records; PesaPlanner ledger remains the source of truth.
Conversational, local, yours.PesaPlanner is designed around offline-first operation. The purpose is to keep ordinary money management useful without making a constant internet connection a prerequisite.
Local financial records · local transaction processing · no mandatory cloud account for ordinary core use · no requirement for paid AI APIs in the intended offline assistant architecture · reduced dependence on network availability · user control over financial information · data-management features including export or deletion where implemented.
PesaBuddy uses local matching and replies for its supported questions; it does not need to send your financial history to an online AI service.
Your money. Your data. Your device.Reminders, background work and home-screen widgets make useful information more accessible and support scheduled tasks without requiring you to open the app constantly. Plus settings for language, appearance and data management.
A practical everyday companion.For small biashara, record sales and costs and track each item by quantity, unit, average buying cost, selling price and low-stock point. A sale updates stock and the ledger; restocking records the purchase. Link an existing M-Pesa entry to its stock movement to avoid double-booking. Keep business bills, customer and supplier contacts, and recent entries close by. Sales show cash movement — bei minus stock cost alone is not net profit.
Biashara iko na story yake.Bring unknown or uncertain transactions to the top for a closer look. Save familiar people, merchants, names and category corrections so future entries are easier to recognise. Sweep duplicate messages together, guard against importing the same statement twice and undo supported cleanup actions.
Review the details before they become your record.Export records as CSV for a chosen date range, category or person / merchant; create a categorised PDF statement report; or make a full JSON backup to copy or share yourself. A PIN can protect an exported PDF, but it does not encrypt records stored in the app. Exports stay under your control; nothing uploads by itself.
Your records are yours to carry.Start with the M-Pesa, cash and bank amounts you say you have; subtract commitments due today and compare the result with your recent spending pace to estimate safe-to-spend today and how long funds may last. A 30-day projection combines held balances, entered income dates, likely payday patterns, unpaid bills and recurring costs. It plots the expected path and highlights a possible low point or date money may run short. Test what-if scenarios before changing your records. These are estimates based on saved information, not a promise of your bank balance.
Plan the days between inflows.PesaPlanner connects everyday financial activity with the plans and commitments that shape it — for campus, home, personal finances and small biashara.
Supported M-Pesa messages provide a starting point for building a transaction history, reducing the need to manually reconstruct every payment.
Reduce repetitive bookkeeping.PesaPlanner is designed to help users consider spending alongside budgets and relevant financial commitments — so "KSh 5,000" is not mistaken for "KSh 5,000 to spend."
Context over confidence.HELB, upkeep, rent, matatu fare, hostels, kibandas, Fuliza, informal debts and irregular inflows belong to the environment it is designed around.
Built for the real semester.Food, kitchen stock, semester planning, savings and bills all have financial implications. PesaPlanner brings these related concerns into the wider experience.
Beyond the transaction ledger.PesaBuddy is intended to help users explore their records conversationally, with support for English, Kiswahili and Sheng.
Ask, don't scroll.The offline-first approach reduces dependence on network availability for ordinary financial management — because financial information is personal.
Your data stays with you.No app can make a small budget unlimited. PesaPlanner helps you see what that budget needs to cover before it starts acting mysterious.
Students, people managing personal income, households and small biashara can each start with a setup that fits. Same Kenyan money realities; different daily priorities.
Your upkeep arrives, and you need to make it cover the period ahead. PesaPlanner helps organise your financial picture around your recorded commitments.
Juggling rent, food, electricity tokens, essentials and the occasional unexpected expense. Bring those financial concerns into one place.
Matatu fare is part of your daily routine. Account for transport alongside your other recorded spending and priorities.
Cook or buy? Meal planning and kitchen-stock tracking help you organise those choices while keeping spending under control.
Freelance work, a small business, occasional gigs. Organise recorded inflows and understand how they relate to expenditure and goals.
Happy to help — but you'd also appreciate remembering who owes what. Debt tracking keeps a record without relying entirely on memory.
Understand spending patterns, plan ahead, build savings, become more confident managing your finances. All the tools in one experience.
Designed around university life — but its approach to transactions, budgets, bills, savings and debt is relevant to any young adult managing money independently.
Salary, gigs or irregular income? Keep budgets, bills, debts and savings goals in one offline-first money picture.
Plan household spending, meals and kitchen stock, and keep recurring costs visible. Kila kitu ya nyumba iko na budget yake.
Record sales and costs, see stock on hand and set restock points. Price difference is not automatically profit, so keep the full costs in view.
Financial management should help people make better decisions, not merely show them what they already spent.
For a university student, money affects almost every part of daily life: where you live, what you eat, how you travel, how you manage unexpected expenses and how much attention you can give to your education and ambitions.
PesaPlanner aims to reduce the confusion by bringing financial activity together, making recorded commitments more visible, organising spending, supporting planning and providing a more accessible way to understand the result.
It is not about judging every purchase or telling students that enjoying life is forbidden. Comrades deserve to have fun. They also deserve to know whether the weekend plans are financially reasonable before Monday arrives with a rent reminder and a personal vendetta.
The ambition is to help students become more informed about their money, more intentional about their choices, and better equipped to plan with the information available to them.
One organised transaction at a time.
One visible commitment at a time.
One less "Wueh, pesa ilienda wapi?" at a time.
See exactly what each level includes. If paid options launch, the comparison will show the limits of each lower plan—while your saved records remain yours.
KSh 0 · starter level
A simple place to record money and keep one basic budget.
What Free does not include: M-Pesa import, multiple budgets, debt and bill planning, forecasts or detailed reports.
Price to be announced
More of the everyday planning tools, in one personal plan.
What Plus does not include: the proposed business cash-flow views, stock tracking and customer receivables in Max.
Price to be announced
The proposed business tier: Plus planning tools, with extra business views.
Still being designed: shared team access and cloud sync are not promised in this plan.
These are proposed feature groups, not a live offer. Exact features and KSh prices will be published before checkout opens. A lower plan will not erase or block access to your saved financial records.
When plans are ready, M-Pesa payment will require an internet connection and your approval for each prepaid period.
Payment safety: No automatic renewal is planned. Never give your M-Pesa PIN to PesaPlanner support, and do not treat an SMS screenshot as subscription confirmation.
The APK link will appear here after a release is ready. Install only the file linked from this official website.
If Android blocks installation: check that the APK came from this website and that the phone allows installs from the app you used to download it. Turn that permission off again afterward.
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