October, in perspective.
Sample numbers for one household, in KES. In the real planner these are your own.
Heads up
Budgets See all
Last six months
Recent
The next 12 months
Worked out from the usual month, the loan ending and school fees landing. Sample numbers, in KES.
What each month leaves you with
Month by month
Assumes the usual month repeats: 58,000 in, 45,500 spent, 4,000 to the emergency fund until it reaches 60,000, and 5,000 to school fees. Fees of 30,000 are due at the start of January, May and September and are paid from the school-fees pot first. A forecast is arithmetic, not a promise.
Budgets
What you planned for October, against what went out. Sorted by what you spent most on.
Essentials (rent, food, transport, power, airtime and loan payments) are never suggested for cutting.
Goals
How far each goal has come, and what the pace means.
Debts
What's owed, what it takes from each month, and when it ends.
Savings starter
Pick a share of what comes in. Earnd does the arithmetic; you choose.
Money in: a month. Essentials: a month.
Learn
Plain guides. Every guide is open to everyone. Draft wording, reviewed before release.
Get help
If any of these sound like you, you're not alone, and there are next steps. Tap one to open it.
Where to go
We haven't found a free, independent debt counselling service in Kenya yet. If you know one, tell us at hello@earndlmi.app.
For a personal recommendation on investing, speak to a licensed investment adviser on the Capital Markets Authority's list. Before borrowing from an app, check the lender is on the Central Bank of Kenya's list of licensed digital credit providers.
For kids: the money ladder
Climb one step at a time. Tap a step to open it. Best read with a parent or guardian.
Your privacy
This demo uses sample numbers only. Nothing you do here is saved.
In the real planner, your plan is saved only on your own device, in that browser. It isn't sent to Earnd, and we can't see it. Clearing your browser data, or changing phone, removes it, so download a backup and keep it somewhere safe.
Like any website, the server that delivers these pages sees ordinary visit details, such as your IP address and browser. We don't use analytics or trackers.