See your own numbers. Understand your options. Plan your next move.
Earnd is a free money planner and learning space for Kenyans, from first pocket money to retirement. Your numbers stay on your phone, and we never sell you anything.
What you'll find here
Everything is free while we test.
The money planner
Money in, money out, pots, debts and goals. See which months come up short before they arrive.
Open the planner SEEYour money at a glance
A dashboard of spending against budget, goals, debts and the months ahead. Try it with sample numbers.
See the demo LEARNGuides and booklets
Saving, banking, borrowing and investing, plus booklets for young people and anyone new to banking.
Start learning HELPWhen money feels tight
Five common warning signs, what each means, and general ways to work through it.
Get helpQuick calculators
Type in your own numbers and see the arithmetic. No sign-up.
Goal planner
How much a month to reach a target by a date.
Available in the plannerSavings starter
Pick a share of what you receive and see how long a cushion takes.
Try itDebt payoff
Smallest balance first or highest interest first: the date and total cost of each.
Coming soonLoan comparison
The total you'd repay now, against an offer to combine your loans.
Coming soonPlans
Free while we test. Paid plans come later, and the free plan stays.
Free
KES 0- The full planner
- All guides and booklets
- Warning signs and help sheets
- Download your own backup
Plus
Coming later- Everything in Free
- Upload M-Pesa and bank statements
- Debt payoff and loan comparison
- Reminders for bills and goals
Organisations
Coming later- For employers, SACCOs, schools and chamas
- Money sessions for your group
- We never see members' numbers
Our promise
We can't see your money
Your plan is saved on your own phone, not on our servers.
We don't sell products
No loans, funds or insurance pushed at you. No commissions.
We explain, you decide
General information and your own arithmetic. Not personal financial advice.
About Earnd
Earnd is built by Earnd LMI Limited, a company registered in Kenya. Most money tools either sell you something or assume you already understand money. Earnd does neither: it shows you your own numbers and explains your options in plain words.
For organisations, partnerships or feedback: hello@earndlmi.app