A personal finance companion built for Kenyans. Track spending, plan budgets, record savings and loans, and ask an AI coach — in English and Swahili.
"Weka Akili Pesa Yako"
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Illustrative preview · Sample figures · Premium score
The Fedha Health Index is an educational financial wellness planning tool only. It is not a credit score, CRB report, or regulated financial rating. It has no effect on your creditworthiness and is not used by any lender, insurer, or financial institution.
The Problem
Everyday spending, loan repayments and savings goals can be hard to keep together. Ganji brings your records into one place so you can see what you have and plan your next step.
Scattered financial records
Bring M-Pesa spending, budgets, loans and asset records into a clearer view.
Hard to follow a budget
Set allocations, record expenses and compare your plan with what you spend.
Savings and cover need a plan
Record an emergency target and existing coverage, then use reminders to keep them in view.
Main app tabs
Fedha Health pillars · Premium
Languages: English & Swahili
Saved budgets on Free
What We're Building
Spending, budgets, loans, assets and wellbeing tools in one app. AI coaching and payment access are being prepared for public launch.
Ask financial education questions in English or Swahili. With your consent, recent chat and aggregate figures help give context. Verified account required.
Create 50/30/20 or custom budgets, track expenses and opt into local budget reminders. Free includes three saved budgets.
Keep loans and debts together, record repayments and check outstanding balances and due dates.
Record holdings, values and cash movements. See allocation and net-worth history as you build your own records.
Record your emergency balance, essential expenses and target months. Explore growth using a return assumption you choose.
Set target amounts and dates, link holdings and follow progress. Free includes three saved goals; Premium removes that cap.
Record existing medical, life and other cover, providers and review dates. Opt into local renewal reminders.
Import M-Pesa SMS on Android with permission. Explore spending, fees and comparisons over a date range you choose.
On the Roadmap
Planned additions beyond the current app. These are not available yet; release dates are still to be confirmed.
Planned: capture new M-Pesa messages as they arrive on Android. The current app imports the inbox when you choose.
Planned: enter or paste transactions, including on iOS. The current iOS build uses example transactions because it cannot read SMS.
Planned: financial-record backup, cross-device sync and JSON import/restore. JSON export is available; account recovery currently restores membership only.
Fedha Health Index
Premium includes an educational 0–100 score from active transactions and your saved inputs, plus assessment, pillar breakdown and PNG sharing. Demo transactions can affect the score before SMS import and on iOS.
Illustrative Premium score · Sample pillar scores, weighted as shown
The Fedha Health Index is an educational financial wellness planning tool only. It is not a credit score, CRB report, or regulated financial rating. It has no effect on your creditworthiness and is not used by any lender, insurer, or financial institution.
Build a clearer emergency plan from the balance you record, essential monthly expenses and a target of one to twelve months. These are planning records; Ganji does not hold or lock your money.
Save your emergency balance and essential monthly expenses
Choose a target of one to twelve months of essential expenses
Illustrate growth with your own assumed annual return
Update your plan as your circumstances change
Set an amount and target date for school fees, a holiday or an emergency fund. Link a holding and follow your recorded progress in the Portfolio tab.
Save three goals on Free; add more with active Premium
See progress towards each recorded target
Link asset holdings to the goals they support
Opt into local reminders before a goal target date
Who It's For
From first salary to generational wealth — ganji adapts to where you are.
Teacher · Nairobi · KES 45K/mo
Wants to budget, save for school fees, and understand life cover options.
Best fit: Premium · KES 300/mo
Student · Kisumu · HELB loan
Wants to track savings goals, record holdings, and manage HELB debt.
Best fit: Free tier
SME Owner · KES 800K turnover
Wants a clearer personal budget alongside loan and savings records.
Best fit: Premium · KES 300/mo
Senior Banker · KES 350K/mo
Wants to track asset values, savings goals, and existing insurance cover.
Best fit: Premium · KES 300/mo
Pricing
Genuine value before you pay a shilling. Choose the Premium term that works for you.
Forever free
Paid monthly
KES 1,800 · Paid every 6 months
KES 3,600 · Paid yearly
All Premium terms include the same benefits. Pay upfront and renew manually; no automatic charges. Discounts are compared with KES 300/month. AI coaching requires a verified account.
FAQ
Ganji is preparing for early access. The app's core tools are implemented; public AI access, account sign-in and payment acceptance are still being prepared and tested. Join the waitlist for release updates. A launch date has not been announced.
The selected launch is a direct Android APK plus a web portal for accounts and payments. The portal does not host your financial records. A Play Store release is not part of the current launch plan because SMS access requires a separate distribution review.
Ganji helps you understand and plan your money. It gives general financial education only. It is not a licensed financial adviser, and nothing in the app, including the AI coach, is financial, investment, tax or legal advice. Check important decisions with a qualified professional.
Savings records an emergency balance, essential expenses and target months, with an optional assumed-return illustration. Goals records target amounts, dates and progress linked to holdings. Ganji does not hold, transfer or lock funds. Free includes three saved goals; Premium removes that cap.
Financial records and chat history stay on your device. Optional AI coaching sends your question, recent chat and permitted aggregate figures through Ganji to OpenRouter and its model provider. Google/Firebase handles account sign-in and Pesapal handles checkout. PIN and biometric unlock are available. Read the privacy notice below for the full details.
Premium's educational 0–100 score uses Savings Rate (30%), Budgeting (20%), Debt Control (20%), Emergency Buffer (20%) and Protection (10%). It uses active transactions and saved inputs; demo transactions can contribute before SMS import and on iOS. The Fedha Health Index is an educational financial wellness planning tool only. It is not a credit score, CRB report, or regulated financial rating. It has no effect on your creditworthiness and is not used by any lender, insurer, or financial institution.
Ganji is for Kenyan adults aged 18 and over, including salaried workers, students, freelancers and business owners tracking their personal finances. You choose what to record and can use English or Swahili.
M-Pesa inbox import is Android-only and requires your permission. iPhone cannot read the SMS inbox, so its current build uses example transactions. Before Android import, and after an inbox read failure, example transactions are also used. Example transactions are excluded from data exports. Manual or pasted transaction entry is on the roadmap.
Settings lets you export a JSON copy and erase local financial records, chat and assessment data. Language and theme preferences and membership/payment recovery are retained. Cloud-account deletion is a separate action; some billing and usage records remain, and deleting or reinstalling does not reset AI allowances. Financial backup and JSON restore are not available yet.
We're preparing Ganji for early access. Join the Google Form waitlist to receive release updates.
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