New: import your bank or mobile money statement
Plan well. Pay on time. Grow wisely.
Vemawise reminds you before rent, loans and other bills are due, shows where your money goes, and helps you save for what matters — in your own currency and time zone, on your phone.
Works in your browser and installs on Android and iPhone
How it works
Set it up once in about five minutes. After that, Vemawise does the remembering.
- 1
Add your money
Your bank, mobile money, cash and savings balances, plus your salary or other regular income.
- 2
Add your bills and debts
Rent, internet, school fees, loans, group contributions — with the account or number you pay to.
- 3
Get reminded, stay on track
Vemawise reminds you before each due date and shows how your month and savings are going.
What you get
Everything you need to stop missing payments and start saving.
Bill and debt reminders
On your phone 3 days before, the day before and on the day — in your own time zone, with the payment details ready.
Monthly budget
Set a limit for food, transport, housing and more. Paid bills count automatically.
Savings goals
Save for school fees, a trip, land or a new phone. See how much to put aside each month to get there.
See what's coming
A prediction of your balance for the next weeks, so you know early if money will be short before payday.
What you have, owe and are worth
All your accounts in one place, minus what you owe — your real picture at a glance.
Import your statements
Bring in a month of M-PESA or bank transactions in one go — no typing. The file and its password never leave your phone.
Meet Wema, your AI helper (Pro)
Ask Wema “Can I afford this?” or “Where did my money go?” and get clear answers based on your own numbers.
Built for how people really pay
Many budget apps assume everyone pays by credit card. Vemawise also works for mobile money, cash and savings groups — the way money really moves for most of the world.
- Your own currency — pick your country when you sign up
- Bank transfer, mobile money and cash, not just credit cards
- Savings groups, SACCOs, chamas and salary advances
- Payment details saved with each bill: account, till or phone number
- Reminders and “today” follow your own time zone, wherever you live
Pricing
Start free. Upgrade only if you want the AI helper.
Basic
Free
Everything you need to stay on top of your money.
- Bills, debts and phone reminders
- Monthly budget and savings goals
- Prediction and net worth
- Import M-PESA and bank statements
- Install on your phone
Pro
KES 150 / month
About US$1.15 a month. Or KES 1,500 a year (save KES 300). Pay by card or mobile money. Nothing renews by itself.
- Everything in Basic
- Wema — your AI money helper
- 50 questions a day, in your own language
- Business spaces: keep business money separate
- More coming: WhatsApp reminders, exports
Charged in Kenyan shillings (KES); your bank or mobile money converts it automatically.
Never miss a payment again
Free to start. Set up in a few minutes.
Get startedYour data is private — only you can see it, and you can delete it any time