Niaa reads your M-Pesa messages, organizes your spending into categories, and gives you monthly clarity — without the spreadsheet.
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Google Play
Net today
KSh24,016
Income
42,500
Expenses
18,484
Today
Rent
Monthly
−45,000
Fuel
Shell Westlands
−3,200
Salary
Acme Ltd
+95,000
Grocery budget
KSh 9,640 of 12,000
Features
Designed around how people actually manage money in Kenya — mobile money first, banks second.
Every M-Pesa and bank notification is read and turned into a transaction automatically. Safaricom, NCBA, KCB, Equity — we handle them all.
Set monthly limits per category. Niaa updates your remaining budget in real time as you spend — before the month slips away.
Set a target, give it a deadline, and track your progress with every deposit. Niaa marks it done automatically when you hit your number.
Start with a proven split — 30/70, 50/30/20, or 60/20/20 — and Niaa creates all your budgets at once, grouped by Lifestyle and Wealth Building.
See every loan — NCBA, KCB M-Pesa, Fuliza, SACCO — in one list. Outstanding balance, monthly payment, and next due date, always visible.
Category breakdowns, income vs. expenses, net savings, and 6-month trends. Export to Excel whenever you need.
How it works
Connect your M-Pesa, bank accounts, savings, and loans. Takes about 2 minutes — no bank credentials needed.
Grant SMS permission once. Niaa reads Safaricom and bank messages in the background and categorizes each transaction automatically.
Open the app any time to see your net worth, spending by category, budget status, and loan balances — all in one screen.
Yesterday
Grocery
Naivas Supermarket
−2,840
Transfer
From Mom
+5,000
Electricity
Kenya Power
−1,200
Pricing
The free tier covers everything you need to get started. Upgrade when you want SMS auto-parsing, unlimited accounts, and full reports.
See all plansWe're in private beta. Leave your email and we'll reach out when Niaa is ready for you.
No spam. Just a launch notification.