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Kenya’s Leading Personal Finance Platform

Time is money.
Save both.

The all-in-one app for the financially smart. Track every shilling, discover online gigs, and grow your wealth in the digital economy.

Aura
AI Assistant
5.0
Rating
5+
Money Tools
PesaSmart App
Markets
+24.6%
Portfolio growth
Crypto
BTC
+3.2% today
Gigs
12 Gigs
Live bids
Scroll to explore
Take full control of your money

Everything you do
with money.
All in one place.

Whether you're salaried, freelancing, or running a business — PesaSmart gives you the full picture of your financial life.

PesaSmart finance overview
Cash flow

Income & Expenses

Track every shilling in and out. Multiple income sources, automatic categorization. Never wonder where your money went again.

Planning

Monthly Budgeting

Plan your month before it starts. Set spending limits, get alerts when you're close, and carry over savings with zero friction.

Rent
85%
Food
62%
Savings
40%
Goals

Savings Tracker

Set savings goals — emergency fund, holiday, car, or anything. Visual milestones keep you motivated every single day.

Emergency Fund
Ksh 34K / 50K
2026 Savings Challenge — 68% complete
Debt

Debt Tracker

Loans, credit cards, chamas — track every debt in one place. See your repayment timeline and watch your debt shrink month by month.

Personal LoanKsh 45,000
SACCOKsh 12,000
Total RemainingKsh 57,000
Overview

Net Worth Tracker

Your big-picture financial health. Assets, investments, crypto, savings vs liabilities — your real number, updated in real time.

Total Net Worth
Ksh 842,500
+Ksh 64,000 this month
Net worth dashboard preview
Gig Marketplace

Your skills are
worth more.

Find gigs. Post tasks. Get things moving. The simplest way to connect with talent and online opportunities

Start Earning

Find Gigs

Browse live opportunities in photography, writing, design, marketing and more. Apply, start working and get paid.

Find gigs — browse live listings
Photography
Writing
Video editing
Web design
Social media
Marketing
Post a Job

Find Talent

Post a job and receive bids within minutes from skilled talent across Kenya. Hire the right person for your task quickly and easily.

Hire talent — post a job
Live Activity
JM
James M. won a writing gig Ksh 6,500
·
AW
Aisha W. bid on a video editing job Ksh 12,000
·
BK
Brian K. completed a web design project Ksh 35,000
·
FN
Faith N. posted a social media gig Ksh 4,200
·
OM
Omar M. earned from photography Ksh 18,000
·
CN
Cynthia N. accepted a content writing offer Ksh 9,800
·
JM
James M. won a writing gig Ksh 6,500
·
AW
Aisha W. bid on a video editing job Ksh 12,000
·
BK
Brian K. completed a web design project Ksh 35,000
·
FN
Faith N. posted a social media gig Ksh 4,200
·
Invest & Earn

Don't just save.
Make your money work.

Discover real income streams, live market signals, and digital investment opportunities — all built into your dashboard.

Crypto & DeFi

Trending digital assets

Live insights on the top-performing coins and DeFi protocols. Buy, track performance, and withdraw from the app.

Forex

Daily forex signals

Receive real-time trading signals with entry points, targets, and analysis to make smarter currency moves.

Affiliate

Affiliate programs

Enroll in curated affiliate programs and earn commissions on autopilot. We surface the best-paying ones for you.

Gigs & hustles

Online gig marketplace

Photography, writing, video editing, web design, social media marketing — bid on jobs and get paid directly.

Markets

Stocks, MMF & Treasury

Step-by-step guides and live data on NSE stocks, money market funds, and government bonds including T-bills.

Learn

Financial news & Academy

Real-time financial news, video lessons, and battle-tested money strategies to keep levelling up your wealth IQ.

Financial freedom lessons — what schools don't teach

Structured lessons on stocks, crypto, forex, MMFs, bonds, and side income — so you understand markets, manage risk, and build real skills. Invest in your future.

Get Full Access For Only
Ksh 200
/month
Financial Academy · 2026 updated

Total control over your money IQ.

Curated video lessons on investing, saving, earning online, crypto, and markets — everything you need in one place, no guesswork.

Savings

2026 saving strategies

Set realistic goals, automate transfers, and build habits that stick — so you save without feeling deprived.

Crypto

Crypto & DeFi basics

Understand wallets, chains, risk, and how decentralised finance fits into a smart portfolio — explained in plain language.

Income

How to earn online

From freelancing to digital products: proven paths to extra income and how to price, pitch, and get paid reliably.

Markets

Stocks, MMFs & bonds

Learn how equities, money market funds, and government paper work — and when each belongs in your plan.

Forex

Forex fundamentals

Pairs, spreads, sessions, and risk management — so you can follow signals and news without gambling blindly.

Wealth

Build net worth

Pull it together: assets, debt, and cash flow in one view — and the long-term moves that actually move the needle.

Trusted in Kenya

Are you PesaSmart?

Join the financially smart building real financial freedom.

★★★★★
PesaSmart helped me save Ksh 80,000 in 3 months as a freelance videographer. I didn't even feel it. It just works.
BK
Brian K.
Freelance Videographer, Nairobi
★★★★★
Big salary, empty account — that was my life. PesaSmart showed me exactly where the money was going. Game changer for any corporate person.
AO
Amina O.
Marketing Manager, Westlands
★★★★★
I use PesaSmart daily to find AI and tech training gigs. The opportunities listed are real, well-paying, and updated constantly — I landed my first AI data annotation contract in days.
DK
Dennis K.
AI Trainer & Freelancer, Nairobi
★★★★★
Started investing Ksh 5,000 in crypto through PesaSmart 6 months ago. Now tracking Ksh 18,000. The lessons inside made all the difference.
DM
David M.
Software Engineer & Investor, Nairobi
🎉 Get One Month FREE
PesaSmart Premium
Ksh200/month
Best Personal Finance App
✓
Personal AI Money Assistant
✓
Advanced Personal Finance Trackers
✓
Gig Marketplace ,Online Jobs
✓
Real-time Crypto & DeFi Analytics
✓
Premium Daily Forex Signals
✓
Best Affiliate Programs
✓
Financial Freedom Masterclass
✓ Cancel anytime  ·  ✓ No hidden fees  ·  ✓ M-Pesa ready
Got Questions?

Everything you need
to know.

PesaSmart is Kenya's #1 personal finance and budgeting app in 2026. Track M-Pesa expenses, set monthly budgets, manage debt, and hit savings goals — all in one KES-native dashboard. Rated 5 stars by over 10,000 Kenyan users.

Aura is PesaSmart's built-in AI money assistant — your personal financial advisor available 24/7. Aura helps you analyze spending habits, set and track savings goals, understand forex and crypto signals, discover online gigs, and answer any money question in plain English. Unlike generic AI tools, Aura is tuned for Kenyan financial context — M-Pesa patterns, KES budgeting, NSE stocks, and local gig economy trends.

PesaSmart is the best savings app for Kenyans in 2026. Whether you're saving for rent, school fees, an emergency fund, or a business, PesaSmart's savings tracker lets you set goals, log contributions, and visualize progress. Paired with expense tracking and smart budget alerts, it's the most complete personal savings tool built for Kenya's M-Pesa economy — and at only Ksh 200/month, it's the most affordable too.

PesaSmart lets you log and categorize M-Pesa transactions quickly. Track income, expenses, savings, debt, and your full net worth in one dashboard — designed specifically for Kenyan spending patterns.

PesaSmart's gig marketplace connects Kenyan freelancers with clients for photography, writing, video editing, web design, and social media marketing. Many users earn an extra Ksh 40,000+ per month from gigs alone.

PesaSmart provides daily real-time forex signals with entry points, stop-loss, take-profit levels, risk-reward ratios, and AI-driven analysis — updated every 20 minutes. Built for Kenyan forex traders at every level.

PesaSmart gives you real-time crypto insights on top-performing coins and DeFi protocols. Follow live signals, track your portfolio in KES, and learn safe investment strategies through our built-in financial academy.

PesaSmart shows you exactly where your money goes — subscriptions, impulse buys, and lifestyle creep. With automatic expense tracking, budget alerts, and net worth visualization, you gain full control and stop the paycheck-to-paycheck cycle.

PesaSmart costs Ksh 200 per month and gives you full access to every feature — expense tracking, budgeting, savings goals, debt management, net worth tracker, forex signals, crypto analytics, the gig marketplace, and the financial academy. All features, one plan.

Yes. PesaSmart is recognized as one of Kenya's top fintech startups in 2026 — combining personal finance management, a gig economy marketplace, and investment tools in a single platform designed for the modern Kenyan: salaried, freelancing, or entrepreneurial.

Join 1,000+ Financially Smart Kenyans

Ready to be
financially smart?

Track every shilling, discover online gigs, and grow your wealth in the digital economy.