Welcome back
Everything the report showed, turned into a plan you can actually work. Log income, follow the order, watch the score climb.
CRB clean-up progress
The real numbers, right now
What to do
What did you make?
Add every shilling that came in this month — salary, side hustles, M-Pesa, anything. This is the pot everything else is sorted from.
Your debts
Enter every debt you owe — the negative CRB listings sit up top in a knock-down order, healthy loans below. Log a payment any day you settle something, and the plan restructures automatically.
Clear these to fix your CRB
Personal & informal debts — clear these too
Healthy debts — being serviced normally
Recurring payments
Bills that come around again and again — rent, staff, your pets, subscriptions. Fanikiwa works out the monthly share for each and reserves it in your budget, so the money is ready when each one falls due.
The monthly reserve smooths uneven bills into a steady set-aside. A weekly cost is multiplied by about 4.33, a daily cost by about 30.4, to get its true monthly weight.
Insights
Where your money goes, how fast your debt falls, and what a little more income would do. Everything below updates from the numbers you enter.
Consistency & catch-up
Bills don't pause when you do. This tracks what you've earned against what you needed, shows what you're behind by, and — honestly — what skipping days really costs. Nothing here disappears; it just moves to tomorrow.
Seasons & holidays
Money isn't the same every month. Mark your peak and low seasons and the big events (Christmas, school), and the app tells you how much to store in the good months so December and the slow times never catch you short.
Money map
Every block sized by its share — just like a disk map, but for your money. Hover for detail, click a block to zoom in. Switch between where this month's money goes and what you still owe.
Your prospects
AI advisor
A money coach that already knows your numbers. Ask where to cut, what to pay first, or how to raise income — it answers using your live figures. Powered by your own Claude API key.
What you must earn each day
This is the daily amount that keeps your basics covered — your bills, family needs and tax, spread across the days you earn. Log what you actually make each day and watch your surplus and shortage days stack up.
Day by day
Your log
Savings
A saving culture, even a small one, is what stops the next shock becoming the next loan. Set pots, feed them on surplus days, and watch them grow.
Assets & net worth
What you own minus what you owe. Right now it's likely negative — that's normal in debt. Watch this number climb as debts fall and savings and assets grow.
Assets — what you own
Liabilities — what you owe
Projects & revenue
Your income comes from what you build. Track each project's budget and the revenue it brings — and see exactly what your income streams must clock to make every end meet.
Your future, projected
If you hold a steady surplus each month — money left after your bills to split between debt and savings — here's where you land, from two months out to ten years.
Big buys — vehicle & loan planner
Before you commit to a car, matatu or tricycle: enter the numbers and see the monthly repayment, whether it services its own loan, the insurance to set aside (6% of value), and cash-buy vs finance side by side.
Admin
Overview and settings. In the full product this is where an admin manages many users; here it manages this account's setup.
Roadmap
The whole plan in one place — what's working, what's being built, and the dream it's all heading toward. This is a shared vision: a tool that helps any family climb out of debt and build a real life.
Calendar & check-ins
Every bill, deadline, holiday and treat on the horizon in one timeline — plus milestone reviews at 2 weeks, 1 month and 2 months so you keep score and adjust.
Where every block goes
Your income is split into 3,000-shilling blocks and assigned in order: tax, essentials, family needs, a cushion, then your debts. Everything moves in whole 3k units.
Essentials — your needs come first
This month's plan
Stay honest with yourself
Show up every month. Log what came in, log what you paid, keep the streak alive. Small consistent wins are how the score actually moves.
Recording your plan on the Money Plan tab counts as this month's check-in automatically.
History
Export data
Any time, any stageCSV opens in Excel, Google Sheets or Numbers. The Excel workbook puts each list on its own tab. Exports reflect your data exactly as it stands right now.
Backup & restore
JSON keeps everything and can be restored later. Sharing this with family or friends? Have them open the file and hit Start fresh — each person's numbers are saved separately on their own device.
Reminders & security
Family & needs
Everyone in your household — every need budgeted in whole 3,000 blocks. Tap − and + to size each one; the total flows straight into your monthly plan.
Each block is KES 3,000. Needs are funded top to bottom in your budget, after tax and essentials — so put the most important ones first.
Plan for tax
Kenyan tax, made legible. Tell the app how you earn and it shows what to set aside — and when to file — so tax never ambushes you.
Short, medium & long-term plans
CRB is today's fight — but a plan needs a horizon. Set goals for the next few months, the next few years, and the long game, and watch each one fill up.