Track
Every shilling, all in
Add your M-Pesa statement. Or type what you paid the way you'd say it, and tell Jijenga what's in the bank.
See what came in, what went out, and what you kept.
First week on us
No card, no auto-charge
See what came in, what went out, and what you kept.
First week on us · No card, no auto-charge
How it worksWhat is Jijenga?
Finding where your money went usually means scrolling a statement PDF, or a spreadsheet you stopped updating. Jijenga puts your M-Pesa, bank, savings, cash and what you owe side by side, so you know where you stand.
Track
Every shilling, all in
Add your M-Pesa statement. Or type what you paid the way you'd say it, and tell Jijenga what's in the bank.
See
Your month, drawn
Your month in pictures, next to your usual one. Where it went, who got it, what the charges cost you, and how many days you were in Fuliza.
Close
Close it, then the next one
At the end of each month, confirm your balances and close it. Your net worth, month after month, on one line.
People
Mum, the landlord, the friend who still owes you for lunch. Every person your money moves between, with the balance between you: what you sent, what came back, and when it last moved.
People and places · September
│ your usual
You sent
KES21,500
Mum sent you
KES2,000
You’ve sent 19,500 more than you got from Mum. 18 payments, the last on 28 Sep.
Net worth
M-Pesa and Fuliza come from your statement. The bank, M-Shwari, a SACCO and the cash at home are balances you tell Jijenga, and update when they change. One number, and a line that shows it moving.
Net worth
KES168,950
↑ 5,530 since 30 Sep
Ledger
Who you paid, what it was for, and from which account, a day at a time. When a name is new, Jijenga asks you instead of guessing, and uses your answer from then on.
17 Oct−1,120
16 Oct−2,280
15 Oct−7,360
Why we’re asking
You pay it most weeks, in round amounts. Money market funds are usually savings.
Categories
Food, transport, rent, family, all of it, set against what a usual month looks like for you. So you see the one thing that moved this month, not twenty numbers that didn't.
October so far, spent by category · tick = your usual by today
October so far
KES41,462
Shopping 550 above your usual for this point in the month. Everything else close to normal.
Analytics
Who paid you on one side, where it went on the other, and how much you kept at the end. Then day by day: are you ahead of last month, or behind?
September: who paid you → where it went
green = still yours
September, from money in to kept
KES12,200
kept of 96,500 that came in
Fuliza
How many days you spent in Fuliza, how long each stretch lasted, and your longest run without it. The pattern, in plain numbers. What you do about it is yours to decide.
Months in Fuliza
Each square is a month. Hatched: you were in Fuliza.
In Fuliza now · day 3
KES−2,150
Owed today. It repays itself from your next money in.
You used it on 24% of days, in 3 of the last 7 months.
Every month
Once a month, confirm what's in each account, see what moved your net worth, and get the month back as a short story: where it went, where you stand, one thing to do next. It takes a few minutes. That's closing the month.
Do your balances still match?
One tap each. If a number is different, the gap is recorded as money we couldn’t see, dated today.
Salary account
Still about 131,800? You told us on 30 Sep; money in and out since then is counted.
Emergency money
Still about 18,585? You told us on 31 Aug; money in and out since then is counted.
Cash
Still about 6,045? You told us on 31 Aug; money in and out since then is counted.
September, as it stands
KES163,420
+6,440 this month
SEPTEMBER · YOUR MONTH
Net worth
+6,440You kept
12,200Spent
84,300What moved it156,980 → 163,420
ONE THING TO DO NEXT
Bundle the small sends40 sends under KES 1,000 cost KES 280 in charges. Fewer, larger sends cost less per shilling.
Getting started
Upload the statement M-Pesa emails you, type "chai 50" the way you'd say it, or just tell Jijenga a balance. Nothing connects to your M-Pesa: no PIN, no account access.
Add to Jijenga
The deal
Your first week is free. After that you choose how long, and pay with M-Pesa when you decide. You pay for Jijenga, so there’s no one else to sell to.
Your profile
Nanyuki Hornbill
A place in Kenya and a bird. Yours for good.
We never ask your name, so we give you one: a place in Kenya and a bird. It’s the name Jijenga uses for you, everywhere.
Settings
Your account
Delete everything?
Your statements, entries, accounts and closes are erased from Jijenga. You can’t undo this.
One button in Settings deletes everything you put in: statements, entries, accounts and closes.
Your plan
Choose how long
Nothing renews by itself.
A week, a month or a year, paid with M-Pesa. Your first week is free, and we never charge you without asking.
Questions
What people ask first.
What it is
It adds up your money. You put in what came in and what went out, from a statement or by typing. It shows you where it went, what you kept, and what you're worth with every account counted in.
Last month, as soon as your first statement is in: what came in, what went out, who got most of it, what you kept. The rest builds from there.
No. One statement brings in months at once. After that you type when you feel like it, the way you'd say it, like chai 50. Skip a week, and you fill it in when you can.
Each one shows its own bit, in its own list. Jijenga puts them in one place and adds up the month. Same money, but now you can say where it went.
Yes. It doesn't need a salary or a payday. Money comes in when it comes, and the month adds it up.
It's for anyone who'd like to know. You don't need a budget or a plan to start. First you look. What you do about it is yours to decide.
Before you trust it
No. We don't lend, and we don't hold your money. You pay us for Jijenga, and nobody else pays to see your figures.
There's none to see. Nothing connects to your M-Pesa. You upload the statement M-Pesa emails you, or you type things in yourself.
An email, so you can sign in. A callsign we gave you: a place and a bird. Whatever you add. We never ask your name. If you pay, M-Pesa needs your number to send the prompt. Settings shows what Jijenga has worked out about your money, and you can tell it when it's wrong.
The first week is free, so you can see your own month before you pay anything. After that it's a week, a month or a year. We never charge you without asking, so there are no surprise charges.
Sometimes it will. Tap That's not right, pick the right one, and Jijenga uses yours from then on. You can undo it, too.
Only the balance, when it changes. Bank statements can't come in yet, so you tell Jijenga what's there, and once a month it asks if that still matches.
No. Jijenga is new, and it grows every month. Everything on this page works today.
Yes. Settings, then Delete everything. That removes your account and everything you put in it.
One month is enough to see where it went. Your first week is free.
163,420
+32,020 over 11 months