Track expenses, manage budgets, import M-Pesa transactions, and get personalized AI insights. The smartest way to manage your finances in East Africa.
Good morning, Dennis 👋
June 2026 · Day 28 of 30
Total Balance
KES 239,300
Income
KES 85,000
Expenses
KES 42,600
Net Savings
KES 42,400
Features
Built specifically for how people in East Africa manage money.
No forms, no menus. Type naturally and your AI assistant handles everything — adding transactions, paying bills, transferring between accounts, even analyzing your spending.
Creates expense, categorizes as Groceries, deducts from M-Pesa
Creates transfer, updates both account balances
Analyzes spending vs budget with personalized advice
Done! ✅
Added KES 3,000 expense for Transport from your M-Pesa account.
Balance: KES 12,400 · Budget: 45% used
You've spent KES 8,500 on food this month across 12 transactions.
That's 85% of your KES 10,000 food budget. You have KES 1,500 left with 3 days remaining.
💡 Consider cooking at home to stay within budget.
Paste M-Pesa SMS messages and we auto-parse them into transactions. Assign accounts, categories, and import in seconds.
Monthly budgets with category-level tracking, real-time progress bars, and automatic alerts when you're overspending.
Beautiful charts showing income vs expenses, spending trends over time, and top category rankings.
Set targets, link to accounts, and track progress visually. Contribute directly and watch your goals grow.
Never miss a bill. Track due dates, pay from any account, and auto-schedule the next due date.
52-week challenges, weekly savers, and no-spend challenges. Gamify your savings with visual trackers.
Track loans with interest rates, choose avalanche or snowball payoff strategies, and watch your debt shrink.
18+ currencies with live exchange rates. Perfect for diaspora, cross-border business, or travel.
Bill reminders, monthly summaries, and budget alerts delivered straight to your email.
Quick Setup
Sign up with email or Google in 30 seconds. Completely free, no credit card.
Add your M-Pesa, bank accounts, and cash. Set starting balances to get an accurate picture.
Add transactions manually, import M-Pesa SMS, or just tell the AI. Your finances, organized.
M-Pesa Import
Step 3 of 3: Confirm details
John Doe
Sent
Jane Smith
Received
Safaricom
Paybill
Copy your M-Pesa confirmation messages, paste them in the app, and we automatically parse every transaction. Assign accounts, pick categories, and import — done.
Simple Pricing
No hidden fees. No surprises. Cancel anytime.
Perfect for getting started
KES 0/month
For serious budgeters
KES 499/month
Reviews
“The M-Pesa import is a game changer. I used to spend hours tracking transactions — now I just paste my messages and everything is organized in seconds. The AI even categorizes them for me!”
Sarah Wanjiku
Freelancer, Nairobi
“I just type "spent 5k on stock" and the AI handles everything. My budget has never been this organized. The reports help me see exactly where my business money goes.”
James Ochieng
Small Business Owner, Kisumu
“Finally a budgeting app that understands KES and M-Pesa! The savings challenges are so motivating. I've saved KES 20,000 in just 3 months with the 52-week challenge.”
Grace Mutua
University Student, Nairobi
Join thousands of users who trust Clarity Budget to manage their money smarter. Start free today.
Free forever · No credit card · Set up in 2 minutes