FlowWise
In-app purchases
Everyone
info
100+
Downloads
About this app
FlowWise is Kenya's personal finance app built for anyone who uses M-Pesa.
Every M-Pesa transaction is automatically logged the moment your SMS arrives — no manual entry, no spreadsheets, no guessing. Just clarity about your money, every single day.
WHY FLOWWISE?
We got tired of typing it in. Every Kenyan with M-Pesa gets a notification for every transaction. That data already exists. So why were we typing it again — app after app, row after row? FlowWise was born from that frustration. Built by Kenyans who understand chamas, Fuliza, NHIF, and the reality of managing money in Nairobi.
FEATURES:
- M-Pesa Auto-Logging — grant SMS access once and FlowWise imports your existing M-Pesa history automatically, then keeps logging every new transaction as it happens. On some phones M-Pesa confirmations land as a notification instead of a text — FlowWise picks those up too when that happens, and only ever keeps the M-Pesa ones. Amount, merchant, category. Zero typing. Ever.
- AI Financial Coach — ask anything. "Which debt should I pay first?" "Am I saving enough?" Get answers based on your real KES numbers, not generic tips.
- Smart Budgets — set limits per category. Get alerted at 80% before you overspend — not after it's gone.
- Savings Goals with Lock — set a goal, lock it from impulse spending, watch it grow week by week.
- Debt Tracker — track Fuliza, bank loans, SACCOs and any other debt in one place.
- Bills Calendar — never miss rent, KPLC, SHA, or any recurring bill again.
- Group Budgets — shared goals, shared visibility. Everyone stays accountable.
- Reports on Demand — download PDF or CSV exports of your full financial history anytime.
WHO IS IT FOR?
- Campus students tracking HELB and pocket money
- Young professionals managing salary, rent and Fuliza
- Side hustlers and freelancers with irregular income
- Group savers and friends splitting costs
PRICING:
- Free — KES 0/month forever. 500 transactions/month, 2 savings goals, 5 AI messages/day
- Basic — KES 100 your first month, then KES 200/month. Unlimited transactions, 30 AI messages/day, group budgets, Fuliza tracker
- Premium — KES 150 your first month, then KES 300/month. Unlimited AI, AI monthly financial plan, anomaly detection
No bank login required. No PIN needed. Setup in under 2 minutes.
Flow · Plan · Grow — flowwise.co.ke
Every M-Pesa transaction is automatically logged the moment your SMS arrives — no manual entry, no spreadsheets, no guessing. Just clarity about your money, every single day.
WHY FLOWWISE?
We got tired of typing it in. Every Kenyan with M-Pesa gets a notification for every transaction. That data already exists. So why were we typing it again — app after app, row after row? FlowWise was born from that frustration. Built by Kenyans who understand chamas, Fuliza, NHIF, and the reality of managing money in Nairobi.
FEATURES:
- M-Pesa Auto-Logging — grant SMS access once and FlowWise imports your existing M-Pesa history automatically, then keeps logging every new transaction as it happens. On some phones M-Pesa confirmations land as a notification instead of a text — FlowWise picks those up too when that happens, and only ever keeps the M-Pesa ones. Amount, merchant, category. Zero typing. Ever.
- AI Financial Coach — ask anything. "Which debt should I pay first?" "Am I saving enough?" Get answers based on your real KES numbers, not generic tips.
- Smart Budgets — set limits per category. Get alerted at 80% before you overspend — not after it's gone.
- Savings Goals with Lock — set a goal, lock it from impulse spending, watch it grow week by week.
- Debt Tracker — track Fuliza, bank loans, SACCOs and any other debt in one place.
- Bills Calendar — never miss rent, KPLC, SHA, or any recurring bill again.
- Group Budgets — shared goals, shared visibility. Everyone stays accountable.
- Reports on Demand — download PDF or CSV exports of your full financial history anytime.
WHO IS IT FOR?
- Campus students tracking HELB and pocket money
- Young professionals managing salary, rent and Fuliza
- Side hustlers and freelancers with irregular income
- Group savers and friends splitting costs
PRICING:
- Free — KES 0/month forever. 500 transactions/month, 2 savings goals, 5 AI messages/day
- Basic — KES 100 your first month, then KES 200/month. Unlimited transactions, 30 AI messages/day, group budgets, Fuliza tracker
- Premium — KES 150 your first month, then KES 300/month. Unlimited AI, AI monthly financial plan, anomaly detection
No bank login required. No PIN needed. Setup in under 2 minutes.
Flow · Plan · Grow — flowwise.co.ke
Kenya's M-Pesa finance app. Auto-track, budget, save & get AI advice easily.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- No data shared with third partiesLearn more about how developers declare sharing
- This app may collect these data typesPersonal info, Financial info and 4 others
- Data is encrypted in transit
- You can request that data be deleted
What’s new
Whats new:
- Fixed an issue where M-Pesa auto-import could miss transactions on first setup for some accounts
- Improved reliability of automatic transaction logging from M-Pesa SMS
- Clearer error messages when a transaction can't be saved
- General bug fixes and performance improvements
- Fixed an issue where M-Pesa auto-import could miss transactions on first setup for some accounts
- Improved reliability of automatic transaction logging from M-Pesa SMS
- Clearer error messages when a transaction can't be saved
- General bug fixes and performance improvements
App support
phone
Phone number
+254141802448
About the developer
WISE MUNENE KENYAN MUTUKU
flowwise2026@gmail.com
South b
00100
Nairobi
Kenya