Every cent, accounted for.
See exactly where your money goes across every account you have, with a financial companion watching over your financial health — always.
From scattered to clear
Scattered, and a little stressful
- No idea where last week's money went
- M-Pesa balance a mystery until it's empty
- Side hustle, SACCO, Chama — tracked nowhere
- Saving "once things calm down" that never comes
One place. Actually clear.
- Rafiki tells you exactly where you stand, anytime
- Every account — bank, M-Pesa, SACCO, Chama, cash — in one place
- Budgets that actually track what you spend
- A savings habit that starts now, not "someday"
Rafiki isn't a chatbot bolted onto a budget app.
It's grounded in your real numbers — every account, every transaction — so when it tells you you're KES 4,200 under budget, or flags a loan that's quietly bleeding you in interest, it's not a guess. It's watching your money so you don't have to, and it never touches anything without you approving it first.
You paste it — nothing syncs in the background.
Included with Plus and Pro
One ledger, every account you actually have
Log every account in one place — no more piecing your finances together across five apps and a spreadsheet.
Every account, one real double-entry ledger
Bank, M-Pesa, Airtel Money, SACCO, Chama, cash, investments, loans — ten transaction types, including transfers, dividends, and interest, all reconciled against real statements.
Budgets, goals, and loans that stay honest
Set a budget and watch it track your actual spend. Savings goals, loan amortization schedules, and recurring payments — all in one plan, not three different apps.
Net worth and KPIs that update themselves
Savings rate, expense ratio, debt-to-income — the numbers that actually tell you how you're doing, plus a full report suite you can export whenever you need it.
Every loan, one clear payoff plan
HELB, SACCO loans, Hustler Fund, Tala, a personal loan from a friend — track principal, interest rate, and remaining balance for each, so you always know exactly what you owe and what it's costing you.
How it works
Add your accounts
Bank, M-Pesa, SACCO, Chama, cash, investments, loans — set up every account you actually use.
Log as you spend — or paste an SMS
Add a transaction in seconds, or paste a bank/M-Pesa message and let it fill itself in.
Let Rafiki do the thinking
Ask it anything about your money. It reads your real numbers and tells you what's actually going on — no spreadsheets, no guesswork.
Pricing
Every new account gets 30 days of Plus, on us — no card required. After that, stay on Free or pick the plan that fits.
The real ledger, with room to grow.
- 3 accounts, 3 budgets, 1 savings goal
- 180 days of transaction history
- 15 SMS auto-fills a month
- Full net worth, reports & KPIs
- No card required
or KES 4,500/year — 2 months free
For a full financial picture, no limits.
- Unlimited accounts, budgets & goals
- Unlimited transaction history
- 150 SMS auto-fills a month
- Rafiki: 100 AI advisor messages a month
- CSV export, reconciliation & recurring payments
- Weekly insights + email digest
or KES 10,000/year — 2 months free
Everything in Plus, with higher ceilings.
- Everything in Plus
- Unlimited SMS auto-fills
- Rafiki: 300 AI advisor messages a month
Prices are in Kenyan shillings and billed directly — no hidden fees. Downgrade or cancel from Settings any time; your data stays exactly where you left it.
Frequently asked questions
Stop guessing. Start knowing.
Rafiki reads your real numbers so you don't have to guess anymore. Every account, one place, one companion who's actually paying attention.
Get started — it's free