Koinsavvy
Smart On Cents, Rich in Cents.
The Budgeting Struggle is Real
For many young Kenyans, managing money feels like a constant battle. The tools available are often not built for their specific needs, leading to common frustrations.
Manual Entry is Tedious
Life is busy. Manually entering every coffee or bus fare is easy to forget, making budgets inaccurate from the start.
Digital Spend is a Black Hole
With dozens of daily mobile money transactions, tracking where your money actually goes is a major challenge.
Existing Apps are Too Complex
Many international budgeting apps are overwhelming, with features that don't fit the local financial landscape.
Introducing Koinsavvy
We built Koinsavvy from the ground up to solve these specific problems. It's a simple, intuitive app that automates the hard parts of budgeting so you can focus on your financial goals.
Intelligent Categorization
Our app automatically sorts your transactions into simple categories (e.g., Transport, Food, Bills), giving you a clear view of your spending habits.
Smart Budgeting & Alerts
Set spending limits for categories and get notified before you overspend. Stay in control of your finances effortlessly.
A Massive, Underserved Market
The demand for a simple, mobile-first budgeting solution in Kenya is enormous. We are positioned to capture a significant portion of a digitally-native audience that is increasingly focused on financial wellness.
Target Audience
Tech-savvy Kenyan youth earning between KES 30k - 150k per month who are frequent mobile money users and want to improve their saving habits without the stress.
Key Market Drivers
30 Million+ active mobile money users, with 70% smartphone penetration, and rising interest in financial literacy create the perfect storm for Koinsavvy's growth.
How It Works
We offer a powerful free version for everyone, with an optional upgrade for those who want deeper insights and more control. This Freemium model is supported by future partnership opportunities.
Partnership Potential
Our platform can provide valuable data insights (anonymized and aggregated) for financial institutions. We see strong partnership opportunities with SACCOs and mobile-first banks to offer our tool to their customers.
Your Personal Budget Calculator
Estimate your daily, weekly, monthly, and yearly budget based on your income and expenses. Download professional reports in PDF or Excel format.
Set & Track Your Financial Goals
Define what you're saving for and watch your progress unfold. Small steps lead to big achievements!
Your Current Goals
No goals added yet. Add your first goal above!
Investment Stories & Insights
Discover real-life investment journeys, practical tips, and where to consider putting your money to work in Kenya.
My First SACCO Investment: A Beginner's Guide
Starting your SACCO investment journey? This comprehensive guide walks you through everything you need to know about joining a SACCO, understanding shares, and building your financial future.
Read More →Unlocking Returns: Investing in Treasury Bills & Bonds
Discover how Treasury Bills and Bonds can provide stable returns for your investment portfolio. Learn about the different types, maturity periods, and how to get started with government securities.
Read More →Unit Trusts Explained: Diversify Your Portfolio Easily
Want to diversify your investments without the complexity? Unit trusts offer a simple way to invest in a variety of assets. Learn how they work, their benefits, and how to choose the right fund.
Read More →Our Roadmap to Success
Our ambitious journey to redefine financial freedom in Kenya starts now.
January 2026
Official Nationwide Launch: Seamless integration with all major Kenyan mobile money providers and banks.
Q2 2026
AI Financial Coach: Launch of personalized spending insights and automated saving recommendations.
Q3 2026
Community Savings (Chamas): Digital tools to manage group contributions and shared financial goals.
Q4 2026 & Beyond
Investment Marketplace: In-app access to SACCOs, Money Market Funds, and Treasury Bills.
Join Us on Our Mission
We are building a team and a community to bring financial wellness to millions of Kenyans.
Nancy Gitonga
Founder & Visionary
A passionate developer/entrepreneur with a deep understanding of the local market and a drive to create impactful solutions.
How You Can Help
- 🤝Dev & Design Partners: We're looking for talented collaborators to help build and scale the product.
- 🧪Beta Testers: Sign up to get early access and help us iron out the bugs before launch.
- 💰Funding: We are seeking seed funding to accelerate development and marketing efforts.