Managing money in Kenya today is more complex than ever. You get your salary through a bank, spend daily with M-Pesa, maybe run a side hustle with cash payments, and still have loans, bills, and goals to balance.
The challenge? Keeping track of everything.
Many Kenyans find themselves asking:
- Where did all my M-Pesa money go?
- Why is my bank account always low?
- How can I track both without endless spreadsheets?
The truth is, separating M-Pesa from your bank transactions creates confusion and poor financial visibility. That’s why tools like Jielewe exist—to help Kenyans manage all their money in one place.
Why Tracking M-Pesa and Bank Transactions Separately Doesn’t Work
Most budgeting apps and banks treat M-Pesa as an afterthought. Yet for millions of Kenyans:
- 90% of daily expenses happen on M-Pesa.
- Bills, rent, and business payments move through M-Pesa.
- Bank accounts mainly hold salaries or lump-sum income.
👉 Without a tool to unify both, you risk:
- Overspending on M-Pesa without realizing.
- Missing hidden fees and deductions.
- Failing to budget realistically because money is “split.”
The Smarter Way: Manage Everything in Jielewe
Instead of tracking M-Pesa and bank transactions separately, Jielewe lets you manage them together:
✅ Step 1: Track M-Pesa Expenses Automatically
- Every M-Pesa send, pay bill, or Fuliza repayment is recorded.
- You instantly see where your mobile money is going.
✅ Step 2: Add Bank Transactions
- Record bank deposits and withdrawals.
- Sync or log income like salaries, SACCO payouts, or business revenue.
✅ Step 3: Categorize All Transactions
- Assign every transaction (bank + M-Pesa) to categories like food, rent, transport, airtime.
- See the full picture of your spending, not just one side.
✅ Step 4: Create Budgets That Actually Work
- Instead of guessing, build budgets that reflect both your bank income and M-Pesa expenses.
- Get alerts when you’re overspending in one area.
✅ Step 5: Track Goals Seamlessly
- Saving for school fees? Emergency fund? Business capital?
- Set goals in Jielewe and track contributions from both bank and M-Pesa money.
Example: How a Kenyan Professional Balances Both
Meet Jane, a Nairobi professional:
- Salary: Paid into her bank account.
- Daily spending: Mostly on M-Pesa (groceries, matatu, airtime).
- Loan repayment: Via standing order from her bank.
Before Jielewe: Jane always felt broke because she only tracked her bank balance. M-Pesa spending “disappeared” without notice.
With Jielewe:
- Jane now tracks every shilling from both accounts.
- She can see that 30% of her income was going to takeout food.
- She set a budget and redirected savings toward her SACCO shares.
👉 In just 3 months, she reduced Fuliza reliance and saved KSh 15,000.
Why Jielewe Is the Best Tool for Kenyans
Unlike global budgeting apps that don’t understand the Kenyan context, Jielewe is built for Kenyans, by Kenyans.
- Tracks M-Pesa seamlessly.
- Works with bank transactions.
- Simplifies budgeting, goals, and savings.
👉 No more guesswork. No more wondering where your money went.
Start your journey today with Jielewe and take control of all your money in one place.