Your money, planned. Your net worth, growing.
SmartPFM brings your monthly budget and your net worth together – salary, rent, school fees and M-Pesa paybills on one side; SACCO, MMF, land, shares and loans on the other. Every shilling you plan moves the right number.
- No M-Pesa needed to start
- Staff never see your figures
- Phone and computer
Most money apps stop at spending. SmartPFM goes on to wealth.
A budget tells you where this month's money went. A net-worth statement tells you whether you are getting ahead. SmartPFM links the two, so paying your car loan or topping up your SACCO in the budget updates the loan and the SACCO on its own.
Monthly budget
Plan income and expenses once; each month builds itself. Salary and standing orders record themselves, and you always know what is still free to spend.
Net worth
SACCO shares, money-market funds, land, vehicles, shares, bonds and every loan – valued, tracked and charted month after month.
Linked
Budget payments update loans and assets, so nothing is typed twice and your net worth is always current.
Goals & reminders
An emergency fund, a deposit for land, clearing a loan – see the progress, and get a reminder before every due date.
Document vault
Title deeds, logbooks, insurance policies and receipts – each file encrypted with its own key and kept with the asset it belongs to.
Estate & legacy
Who receives each asset, the people to contact and where the title deed is – and an estate summary, so your family is never left guessing.
Household
A combined family net worth and budget sharing with your spouse – each with their own account, sharing only what they choose – plus a joint household budget for the bills you pay together.
Phone and computer
Install it from the browser on Android or iPhone; the same account on your laptop. No app store needed.
Statements & reports
A detailed monthly budget statement, a statement of cash-flow and a statement of net worth, on screen, as PDF or as Excel – ready for a bank, a SACCO or your own records.
Wanjiku grew her net worth by Ksh 1 million in a year – and can see exactly how.
Our demo client is a Nairobi accountant with a salary, a side business, a car loan and a plot in Kitengela. Her budget pays the loan and tops up her SACCO every month; SmartPFM turns those payments into a rising line.
Three steps to your first full picture
Add what you own and owe
Your SACCO, MMF, bank balance, land and car; your loans and HELB. Ten minutes gives you today's net worth.
Set up your budget once
Salary, rent, school fees, KPLC, fuel – with the paybill or till in the notes. Link loan repayments and savings to what they pay.
Live your month
Tap Pay or Receive as money moves, or let it record itself. Close the month, carry the surplus forward and watch the trend.
Built for the way Kenyans earn
Monthly salaries, daily boda takings, harvest seasons, rent from tenants, dollars from clients abroad. SmartPFM plans around all of them.
The harvest money comes twice a year, but school fees come every term. Now I can see months ahead which expenses my maize money must cover.
My takings change every day. I record them as they come, and SmartPFM tells me whether the bike loan is covered long before it falls due.
Three rental units, two title deeds and a mortgage. Everything – including the documents – is in one place, and I know what the property is really worth to me.
Illustrative stories: names and quotes are examples of how people in these lines of work use SmartPFM, not statements by real customers. More stories →
Your figures are yours. Our staff see counts, never amounts.
- Our team can see how many clients use a feature – never your balances, budgets or documents.
- Every document is encrypted with its own key and virus-checked before it is stored.
- Account, title and registration numbers are encrypted and shown masked – Show reveals them to you only.
- Two-step sign-in, auto-lock and Hide amounts for when people are looking over your shoulder.
- We never ask for your bank or M-Pesa PIN, and we never sell your data or show you adverts.
Free to start. Premium free for 90 days.
Every new account gets every Premium feature for 90 days – no M-Pesa needed. After that, stay on the Free plan or pick a paid plan, paid with M-Pesa, monthly or yearly.
Financial news, markets and investment guides – inside the app
We are building a markets hub: NSE share prices, Treasury bill and bond rates, money-market fund yields, Kenyan financial news, investment guides and analysts' articles – next to the portfolio they matter to.
See what's comingMarkets
NSE shares, T-bills, bonds, MMF yields
News
Kenyan and global financial news
Guides
Investing step by step, from SACCOs to bonds
Trending
What other investors are reading
Start your first month today
Install it on Android or iPhone straight from the browser – no app store needed.