Welcome to Finatrack!
Track your MMF yields, savings goals, debts, and automated money waterfall in real-time.
Total Net Balance
Ksh 0.00
0 Active Accounts Connected
Monthly Income
Ksh 0.00
Shifts, interest & inflows
Monthly Expenses
Ksh 0.00
Fuel, food, utilities & bills
Monthly Passive Yield
Ksh 0.00
From MMF & Sacco high yields
Emergency Fund Runway 🚨 Critical Runway (< 1 Month)
Months of Freedom you can survive without new income
Target: 6.0 mo
Liquid Reserves
Ksh 0.00
M-Pesa, Cash & MMF
Monthly Burn Rate
Ksh 25,000.00
Essential living expenses
Prioritize allocating daily split funds into liquid reserves immediately.
Financial Health Score C Grade
📈 Needs Pacing & Cushion
0 Months
0 Debt
0% Met
0% Burn
✓ Boost liquid emergency fund into high-yield MMF to reach at least 3 months of living runway.
✓ Log regular delivery shifts and M-Pesa receipts to stay ahead of weekly income targets.
EV vs. Petrol Cost-Savings & ROI Comparator 0% Cheaper
Real-time savings analytics based on your logged rider shifts and battery swaps
Total Distance
0.00 km
EV: 0.00 km • Petrol: 0.00 km
Net Shillings Saved
Ksh 0.00
vs. pure petrol baseline
Unit Running Cost
Ksh 1.80 / km
Petrol avg: Ksh 4.50/km
🍃 CO2 Offset
0.00 kg
Clean energy reduction
Monthly Expense Distribution
Category spending breakdown & proportions
🛍️
No expenses logged yet this month.
Add transactions or import M-Pesa statements to see your spending distribution.
Upcoming Loans, Bills & Renewals
Live countdown for upcoming loans, unpaid recurring bills & permits
Weekly Performance Scorecard 7-Day Trailing
Real cashflow momentum across all your active accounts
⚡ 7-Day Inflow
Ksh 0.00
Total money received
💸 7-Day Outflow
Ksh 0.00
Expenses & upkeep
🛡️ Net Retained
Ksh 0.00
Net retained wealth
KRA Turnover Tax (TOT) Estimator 3% Simplified
Kenya Revenue Authority presumptive & turnover tax reserve calculator
Monthly Turnover
Ksh 0.00
Gross monthly inflow
3% TOT Reserve
Ksh 0.00
Set aside this month
Quarterly Est.
Ksh 0.00
3-Month liability
📌 Annualized turnover is below Ksh 1,000,000 (standard threshold). Presumptive or individual income tax rates may apply.
Filing Deadline: 20th of every month via KRA iTax portal.
Income & Expense Target Checkers Weekly • Monthly • Yearly
Track target income milestones vs expense budget burn rates with safe daily run-rate pacing.
⚙️ Customize Income Targets & Expense Ceilings
Target Income Checker
This Week (Mon - Sun)
Earned So Far
Ksh 0.00
Target Goal
Ksh 15,000.00
Expense Target / Budget Checker
This Week (Mon - Sun)
Spent So Far
Ksh 0.00
Budget Limit
Ksh 6,000.00
Target Income Checker
This Month's Pace
Earned So Far
Ksh 0.00
Target Goal
Ksh 65,000.00
Expense Target / Budget Checker
This Month's Pace
Spent So Far
Ksh 0.00
Budget Limit
Ksh 25,000.00
Target Income Checker
Yearly Goal Pace
Earned So Far
Ksh 0.00
Target Goal
Ksh 780,000.00
Expense Target / Budget Checker
Yearly Goal Pace
Spent So Far
Ksh 0.00
Budget Limit
Ksh 300,000.00
🏷️ Monthly Category Budget Burn Rates
Live auto-calculated from transactionsPay Yourself First & Dynamic Waterfall Auto-Split (23:50 Closeout)
Automatically calculate and distribute daily shift net earnings across MMF, Savings, Malindi/Home Goals, Loans, Bills, and Fleet Service.
Ksh 0.00
20% Allocation
ACCOUNTKsh 0.00
20% Allocation
ACCOUNTKsh 0.00
15% Allocation
GOALKsh 0.00
15% Allocation
ACCOUNTKsh 0.00
30% Allocation
CASHSmart M-Pesa & Bank SMS Auto-Parser 📋 Copy-Paste + 📸 Screenshot OCR
Upload or snap a screenshot of your M-Pesa / Bank SMS (Phone & PC) OR copy & paste text directly — win-win!
Savings Goals & Purchase Targets 0 Goals Active
Manage all goals inside one disciplined Master Holding Vault with automated sub-split allocation shares.
Lock Savings / Sacco Vault
Physical Balance: Ksh 0.00 • Allocated across 0 Goals: Ksh 0.00
🔒 Link Master Holding Vault Account
Choose the single physical or digital account (e.g. Lock Savings, Sacco, or MMF) where your total savings goals deposits will be physically parked. All goal targets are subdivided inside this account for discipline.
⚙️ Configure Goal Sub-Splits % Share
Specify what percentage share of incoming Vault deposits goes to each active goal (e.g. 40% Smart TV, 30% Gas Cooker, 30% Sofa).
⚡ Direct Master Vault Deposit & Sub-Split
Deposit a lump sum into your Master Holding Vault (Lock Savings) and instantly sub-allocate it across your goals.
➕ Set a New Savings Target
🎯
No Savings Goals Added Yet
Your goals vault is clean and ready! Create your personal savings targets (e.g. Malindi Vacation, Emergency Shield, Land, Vehicle Upgrade, or Home Appliances).
SACCO & Chama Forecaster 10% - 15% Rebates
Simulate wealth compounding and annual dividend payouts from your SACCO deposits.
📈 1-Yr Total Capital
Ksh 110,000.00
Principal + 12 monthly deposits
💰 Estimated Annual Payout
Ksh 9,600.00
Annual dividend return
💵 Monthly Passive Equiv.
Ksh 800.00
Distributed monthly equivalent
🚀 3-Year Compounding
Ksh 268,480.00
Reinvesting dividends
Loans & Debts Tracker Danger Zone & Due Dates
Segregated tracking for Borrowed Loans (Fuliza, Hustler Fund, Tala) vs Money Lent with deadline alerts.
Ksh 0.00
Total liabilities to settle
Ksh 0.00
Receivables owed to you
All Clear 👍
Due in ≤ 3 days or overdue
➕ Record New Loan or Debt
💳
No Loans or Debts Recorded
Track money you borrowed (Hustler Fund, Fuliza, Tala) or money you lent out with automatic danger zone countdowns!
📈 Money Market Funds & Sacco Yields 0 Total
Track passive interest compounding daily (Ziidi MMF 13.5%, Sanlam 14.5%, Britam 13.8%) and differentiate real profit gains from deposited capital.
Ksh 0.00
Grand balance that should match your Ziidi / Britam / Sanlam app.
+Ksh 0.00
Cumulative interest & daily profits gained while you sleep.
Ksh 0.00
Shift earnings & savings you deposited yourself.
No MMF or High-Yield accounts setup yet. Add Ziidi MMF (Safaricom) or Sacco savings below with an APY rate!
Your Accounts 0
Wallets, mobile money, banks, MMFs and cash pots
➕ Add New Wallet or Bank Account
No accounts added yet
Add your real accounts below (e.g. M-Pesa, Bank, Sacco, Ziidi MMF, or Cash) to start tracking your real funds!
Quick Transfer
Move funds instantly between accounts.
Monthly Recurring Bills & Standing Orders Checklist
0/5 Paid (2026-11) 🔗 Synced with Monthly ExpensesTick off Rent, KPLC tokens, WiFi, SHA/NHIF & standing orders — automatically syncs with your Monthly Expenses & Category Budgets.
➕ Add New Fixed Monthly Bill or Standing Order
Monthly House Rent
🔗 SyncedKPLC Prepaid Tokens
🔗 SyncedHome WiFi / Monthly Data Bundle
🔗 SyncedSHA / NHIF Health Cover
🔗 SyncedWater & Garbage Bill
🔗 SyncedQuick Daily Logger (Earnings & Expenses Closeout)
⏳ Pending Today (2026-11-10)Log your daily gross earnings, fuel, food, airtime & misc in one go — auto-syncs with Rider Hub & Monthly Expenses.
Record Transaction
Manually log an income or expense into your ledger.
Recent Transactions
0 ⚡ Latest FirstNo transactions recorded yet. Use the form above or the M-Pesa SMS auto-parser!
⚙️ Database & Data Management
TypeScript + Cloudflare Edge. You can export a CSV backup or clear records anytime to start afresh.