Honest plans. No surprises.

SMS smart import

Automatically capture mobile-money transactions straight from your SMS messages.

Auto transaction categorization

Sort every transaction into the right category — no manual tagging needed.

Smart expense detection

Spot and log expenses automatically as money leaves your accounts.

Recurring transaction detection

Detect repeating payments like rent and subscriptions and track them automatically.

Basic AI reminders & tips

Everyday money tips and gentle reminders to keep your finances on track.

AI financial coach

A personal AI coach that answers your money questions using your real finances.

Behaviour analysis

Understand your money habits with analysis of how and when you spend.

Spending pattern insights

See the patterns in your spending and where your money really goes.

Savings recommendations

Personalised suggestions for how much to save and where to put it.

Financial habit scoring

A score that reflects how consistent and healthy your financial habits are.

Investment tracking

Record and monitor investments like unit trusts, shares and fixed deposits.

Asset tracking

Track what you own — land, property, vehicles and other valuables.

Liability tracking

Keep every loan and debt in one place with balances and due dates.

Net worth & wealth timeline

See your true net worth — assets and savings minus debts — and how it grows over time.

Savings groups (VICOBA / Chama)

Join and run community savings groups — shared contributions, payouts and group loans.

Basic monthly reports

Monthly summaries of your income, expenses and balance.

Advanced analytics dashboard

A deeper dashboard with detailed charts and a financial health score.

PDF export

Export your reports and statements as polished PDF documents.

Yearly financial reports

Full-year summaries of your income, spending and savings.

Cashflow trends

Visualise money in versus money out with a monthly cash-flow breakdown.

Spending heatmaps

See which days and periods you spend the most with visual heatmaps.

Financial forecasting

Forecast next month’s income and cashflow — built for irregular earners.

Downloadable budget reports

Monthly, quarterly and yearly budget adherence reports with behavioral streaks — downloadable as CSV, Excel or PDF.

Multi-device sync

Use your account seamlessly across phone, tablet and other devices.

Priority backup

Faster, prioritised cloud backup so your financial data is always safe.

Smart reminders

Timely nudges to log money, pay bills and review your budget.

Advanced budgeting

Flexible, detailed budgets with custom categories and rules.

Shared family wallets & goals

Shared wallets and goals so the whole family can manage money together.

Family spending & health analytics

A combined view of family spending and overall financial health.

Family roles & parental controls

Roles, permissions and parental controls for every family member.

Educational finance tips

Bite-sized financial education tips to grow your money knowledge.

Student financial education

A learning track tailored to students starting their money journey.

Saving challenges

Fun saving challenges that make building a savings habit easier.

Report history

How many months of report history you can look back on.

Savings goals

How many savings goals you can run at the same time.

Financial accounts

How many financial accounts you can track.