Endelea Finance
AI-Powered Personal Finance for East Africa
Endelea Finance connects to M-Pesa, automatically categorises every transaction, and puts an AI financial advisor in your pocket — built for the Kenyan way of life.
Built for How Kenyans Spend
Most budgeting apps are built for foreign banking systems and don't understand M-Pesa. Endelea Finance auto-captures M-Pesa transactions via SMS, categorises them with AI in under two seconds, and answers plain-language questions about your spending in English or Swahili.
Beyond individuals, it offers a couple finance mode for shared household budgets, and an advisor dashboard so licensed Kenyan financial advisors can manage client portfolios with AI-generated reports and budget health scores.
Key Features
Automatic Expense Tracking
M-Pesa SMS is auto-captured and categorised by AI in under 2 seconds, with 98% categorisation accuracy.
Smart Budget Planning
Set category budgets and get real-time alerts before you overspend.
Financial Goal Tracking
Set savings goals — like land or a wedding — and track progress toward them.
Couple Finance Mode
Shared budgets and household spending visibility for couples managing money together.
Certified Advisor Access
Connect with licensed Kenyan financial advisors directly from the app.
Endelea AI Assistant
Ask plain-language questions about your own spending history and get personalised, actionable advice in English or Swahili.
Technology Stack
M-Pesa Integration
Automatic transaction sync via SMS capture
AI Insights
Personalised advice grounded in real transaction history
Mobile Apps
Native apps on Google Play and the App Store
Compliance
Kenya Data Protection Act (2019) compliant