Managing money in Kenya is getting harder every year—rising food prices, transport costs, and daily M-Pesa transactions make it easy to lose track of where your income goes. The good news is that in 2025, you don’t need to rely on guesswork. Several expense tracking apps can help you stay in control of your money.
If you’re wondering which is the best app to track expenses in Kenya, this guide breaks it down for you.
Why Use an Expense Tracking App in Kenya?
- Track daily M-Pesa and bank transactions without stress.
- Create budgets to avoid overspending.
- Set financial goals like saving for school fees, emergencies, or investments.
- Get clarity on where your money is going.
Instead of scribbling notes in a book, let’s explore the top expense tracking apps in Kenya for 2025.
1. Jielewe – The #1 Expense Tracking App for Kenyans
When it comes to tracking income, expenses, budgeting, and financial goals, Jielewe stands out as the best expense tracking app built specifically for Kenyans.
🔑 Key Features of Jielewe:
- Track M-Pesa + Bank transactions in one place.
- Create budgets and get notifications when overspending.
- Set financial goals (emergency fund, debt repayment, investments).
- Easy-to-use mobile interface designed for Kenyan professionals, students, and hustlers.
👉 If you want a budgeting app that speaks to your Kenyan lifestyle, Jielewe is your go-to.
2. M-Pesa App
Safaricom’s official M-Pesa app helps you track transactions, pay bills, and manage your account. However, it only covers M-Pesa transactions and doesn’t integrate well with salaries, side hustles, or budgets.
3. Money Manager Expense & Budget (Global App)
A popular global app for expense tracking. It’s useful but not fully localized for Kenya, meaning categories like M-Pesa, chama contributions, and hustle income need to be customized manually.
4. Spendee
Spendee lets you track expenses and create shared budgets. It’s great for couples or families but requires premium upgrades for full features. Again, it’s not Kenya-specific.
5. Goodbudget
Goodbudget uses the envelope budgeting system. While powerful, it feels more manual and not optimized for M-Pesa users—which is a huge limitation for Kenya.
Why Jielewe is the Best Choice for Kenyans in 2025
Most apps are either too global or don’t integrate with Kenya’s financial ecosystem. Jielewe was created with the Kenyan lifestyle in mind—salaries, side hustles, chamas, and especially M-Pesa transactions.
✅ With Jielewe you can:
- Gain clarity on where your money goes.
- Create budgets that work in Kenya’s real economy.
- Track debt, Fuliza, and repayment goals.
- Stay motivated with progress tracking.
Authoritative Resources
For more financial literacy in Kenya:
- Centonomy – Trusted training for personal finance and wealth creation.
Final Word
If you’re serious about controlling your money in 2025, you need an app that understands how Kenyans earn and spend. While global apps can work, Jielewe remains the best expense tracking app in Kenya because it’s built for our economy, our habits, and our future.
👉 Start today with Jielewe and take control of your finances.