Budgets, Savings and Personal Debt in Kenya

Not everyone needs full inventory on day one. Simba (Personal mode) is for tracking your own money with clarity.

Daily income and expenses

Log what you earn and spend in seconds. Categories help you see where money goes — airtime, food, transport, school fees.

Debt tracking both ways

Record money friends owe you and money you owe others. Stop mixing social loans with business books.

Budgets and savings goals

Set a monthly budget per category and savings targets (school fees, rent deposit, emergency fund). Progress bars show how close you are without opening Excel.

When to upgrade to Business

When you start holding stock, hiring help, or need supplier orders and PDF shop reports, switch to Business mode in the same app.