๐Ÿ‡ฐ๐Ÿ‡ช Built for East Africa  ยท  M-Pesa Powered  ยท  Privacy-First  ยท  โ˜…โ˜…โ˜…โ˜…โ˜… Trusted by growing thousands across Kenya
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Platform Features

Finance tools that understand how Kenya works

From M-Pesa auto-tracking to AI-powered advice and certified advisor connections โ€” Endelea is built from the ground up for East African financial life.

Get Started Free โ†’ Talk to Us
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M-Pesa Native
Auto-sync every transaction
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AI Insights
Personalised to your data
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Couple Mode
Manage finances together
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Advisor Tools
Professional client management
Your spending, last 30 days
Food & Groceries38%
Transport22%
Utilities & Bills18%
Entertainment12%
Savings10%
KES 42K
Total spent
98%
Auto-categorised
Personal Finance

Know exactly where every shilling goes

Endelea reads your M-Pesa SMS messages (with your permission) and automatically categorises every transaction โ€” no manual entry, no spreadsheets.

  • Automatic M-Pesa transaction capture from SMS
  • AI categorises transactions with 98% accuracy
  • Manual transaction entry for cash and other payments
  • Receipt photo scanning with OCR extraction
  • Monthly, weekly, and daily spending breakdowns
  • Real-time budget alerts before you overspend
Start Tracking โ†’
Couple Finance

Money conversations made easy โ€” for two

Shared finances don't have to mean disagreements. Endelea's couple mode gives you a single view of your household finances with clear personal and shared boundaries.

  • Shared household budget categories
  • Individual budgets that stay private
  • Joint financial goals (land, car, holiday, education)
  • Combined household spending analytics
  • Partner invitation and secure linking
  • Transparent but boundaries-respecting views
See Couple Plan โ†’
Household Overview โ€” October
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KES 52K
Your spending
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KES 38K
Partner spending
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KES 90K
Household total this month
๐ŸŽฏ Joint Goal โ€” Land in Karen
KES 640,000 saved64% of KES 1M goal
Advisor Dashboard โ€” Client Portfolio
  • Amina Wanjiku
    Health score: 82/100 ยท Budget on track โœ“
  • Samuel Kariuki
    Health score: 61/100 ยท Overspent food budget
  • Grace Achieng
    Health score: 91/100 ยท Goal on track โœ“
  • Brian Mutua
    Health score: 77/100 ยท New transactions synced
4
Active clients
3
Reports this month
For Financial Advisors

Advise with confidence โ€” backed by real data

Stop relying on clients to remember their expenses. Endelea gives advisors a live view of client finances, making every session more productive and every recommendation more precise.

  • Real-time client transaction and budget visibility
  • AI-generated client financial reports
  • Client financial health scoring (0โ€“100)
  • Budget overspend and goal deviation alerts
  • Manage personal, couple, and business client types
  • Firm management โ€” assign clients to team advisors
View Advisor Plans โ†’
AI & Security

Powerful AI. Uncompromising privacy.

Our AI is built on a privacy-first architecture. Your financial data is yours โ€” it never trains public models, it never gets sold.

AI Financial Assistant

Ask anything about your own finances. Get personalised answers based on your real transaction history, in English or Swahili.

Privacy-First Architecture

Your data never leaves Kenya's servers to train external AI models. We use federated learning to improve without compromising your privacy.

Biometric Security

Face ID and fingerprint unlock on mobile. Every session is protected and you control what your advisor can and cannot see.

Offline-First App

The Endelea app works even without internet. Transactions captured offline sync automatically when connectivity is restored.

Kenya DPA 2019 Compliant

Full compliance with Kenya's Data Protection Act 2019. You can request, export, or delete your data at any time.

Bank-Level Encryption

All data is encrypted at rest and in transit using industry-standard protocols. Your financial information stays safe โ€” always.

Integrates with the tools East Africa already uses
M-Pesa / Safaricom
Android SMS Capture
Receipt OCR
CSV / PDF Export
English & Swahili

See all features in action โ€” free

Start your 14-day trial. No card required. Full access from day one.