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