AI-Powered Finance for Africa

Take Control of Your Money with AI Intelligence

Track expenses, manage budgets, import M-Pesa transactions, and get personalized financial insights — all powered by AI. Built for East Africa.

Start Free See Features

No credit card required · 10 free AI requests daily

Balance

KES 239,300

Income

KES 85,000

Expenses

KES 42,600

Savings

50%

Features

Everything you need to manage money

From basic expense tracking to AI-powered insights — Clarity Budget has you covered.

AI Financial Assistant

Chat naturally — "I spent 500 at Naivas" and AI creates the transaction, categorizes it, and updates your budget.

M-Pesa Import

Paste M-Pesa SMS messages, and we automatically parse and import your transactions with one click.

Smart Budgets

Create monthly budgets with category-level tracking. See exactly where your money goes with real-time progress.

Reports & Trends

Visualize spending trends over time with charts, comparisons, and category rankings.

Savings Goals

Set financial goals, link them to accounts, and track progress. Contribute directly from your balances.

Bill Tracking

Never miss a payment. Track recurring bills, get reminders, and auto-schedule next due dates.

Multi-Currency

Support for 18+ currencies with live exchange rates. Perfect for diaspora or multi-country finances.

Debt Tracker

Track loans and debts with interest rates, payoff strategies (avalanche or snowball), and progress bars.

Bank-Level Security

Row Level Security ensures only you can access your data. HTTPS everywhere. Your finances stay private.

How It Works

Up and running in 2 minutes

1

Create Account

Sign up with email or Google. Takes 30 seconds. No credit card needed.

2

Add Your Accounts

Add M-Pesa, bank accounts, cash — whatever you use. Set starting balances.

3

Start Tracking

Add transactions manually, import M-Pesa SMS, or just tell the AI. It handles the rest.

AI-Powered

Your personal finance assistant

Just tell it what you spent, and it handles the rest. No forms, no menus — just natural conversation.

"I spent 500 at Naivas for groceries"
"Transfer 10k from KCB to M-Pesa"
"How much did I spend this month?"
"Pay my KPLC bill"
I spent 3000 on transport from M-Pesa
Done! Added KES 3,000 expense for Transport from your M-Pesa account. Your M-Pesa balance is now KES 12,400.
Am I on track with my budget?
You've spent 62% of your budget with 38% of the month remaining. Your food category is 85% used — consider slowing down there. Transport is looking good at 45%.

Pricing

Start free, upgrade when ready

Free

Perfect for getting started

KES 0/month

  • Unlimited transactions
  • Up to 5 accounts
  • Monthly budgets
  • Bill tracking
  • Savings goals
  • 10 AI requests/day
  • M-Pesa import
  • CSV import
  • Basic reports
Get Started Free
Most Popular

Pro

For serious budgeters

KES 499/month

  • Everything in Free
  • Unlimited AI requests
  • Unlimited accounts
  • Advanced reports & trends
  • Financial health score
  • AI spending insights
  • Savings challenges
  • Debt payoff planner
  • Priority support
  • Export to PDF
Start Pro Trial

Testimonials

Loved by users across East Africa

“The M-Pesa import feature is a game changer. I used to manually track every transaction — now I just paste my messages and it's done in seconds.”

Sarah Wanjiku

Freelancer, Nairobi

“The AI assistant is incredible. I just type what I spent and it categorizes everything. My budget has never been this organized.”

James Ochieng

Small Business Owner

“Finally a budgeting app that understands KES and M-Pesa! The savings challenges keep me motivated. Already saved 20k in 3 months.”

Grace Mutua

University Student

Ready to take control of your finances?

Join thousands of users across East Africa who trust Clarity Budget to manage their money smarter.

Get Started Free

Free forever · No credit card required