Money, in plain language

Fnsoko helps everyday Kenyans understand budgeting, saving and investing, without the jargon.

Information

  1. Home
  2. About

Book smart, street smart. The story behind Fnsoko.

Fnsoko is a Kenyan financial literacy platform founded by Wanja Waithaka, CPA-K. It helps everyday Kenyans understand how money works, in plain language, and takes the fear out of it.

CPA-Kqualified accountant
240+learners taught
3Wealth Map webinars
Wanja Waithaka, founder of Fnsoko, celebrating beside a Fnsoko banner

It started with a bond nobody knew they could buy.

Hi, I’m Wanja. In my finance class at Strathmore we could price a bond on paper, but none of us knew you could buy the M-Akiba bond from your phone for 3,000 shillings.

That gap between book smart and street smart stayed with me. So many of us learn about money by losing it: to a bad loan, an app that promised too much, or a payday that disappears in a week. Nobody sat us down and explained how any of it works.

Money comes and goes. Losing it should teach you, not break you.

Fnsoko is my answer. It is your financial marketplace: one place to learn how money works with Kenyan examples, try the numbers with simple tools, and ask questions without feeling judged.

I am a CPA-K and I work in Kenya’s capital markets, so I see the system from the inside. That is why Fnsoko sticks to education. I explain how things work and the questions to ask, and I never sell you a product or a hot tip.

Wanja Waithaka, CPA-KFounder and lead trainer, Fnsoko

From a classroom question to your financial marketplace.

The milestones that shaped Fnsoko, in order.

Wanja Waithaka in her graduation gown at the University of Warwick
Graduation day at the University of Warwick, MSc International Trade, Strategy and Operations.
  1. 2017 to 2021

    Strathmore University

    A BCom in Finance. In class we could price a bond on paper, yet none of us knew you could buy the M-Akiba bond from your phone for 3,000 shillings.

    Read the M-Akiba story
  2. 2019 to 2022

    A YouTube channel

    I started explaining money online, the way I wished someone had explained it to me.

  3. 2021 to 2024

    Three years in retail operations

    Daily reporting for about 300 fuel stations, training station teams, and testing new systems for Kenya alongside teams across Africa. I learnt that trust is built in the details.

  4. 2024

    Qualified as a CPA-K

    Certified Public Accountant of Kenya, examined by kasneb.

  5. 2024 to 2025

    University of Warwick

    An MSc in International Trade, Strategy and Operations as a WMG Scholar. I received the Warwick Award and my dissertation earned a Distinction.

  6. October 2024

    The voice note

    Late one night during my masters, the idea for Fnsoko arrived. I recorded a voice note about it, just in case it came true.

  7. September 2025

    Fnsoko begins

    I came home to Kenya and started Fnsoko, because the people I want to help are here.

  8. Today

    Capital markets by day, Fnsoko always

    I work in Kenya's capital markets and keep building Fnsoko: 240+ learners and 3 Wealth Map webinars so far. Next on my list is the CIFA qualification.

CPA-KCertified Public Accountant of Kenya
MScUniversity of Warwick, WMG Scholar
240+learners taught so far
3Wealth Map webinars hosted

Out in the room.

Fnsoko is taught face to face as much as online. A few recent sessions.

Wanja Waithaka teaching a group of entrepreneurs at Hackhouse Africa beside a Fnsoko slide

Entrepreneurs at Hackhouse Africa

A hands-on money training for founders: testing pay against every month and building a cushion.

A cohort of participants from the AI Education, Hackhouse Africa and University of Nairobi programme

AI Education, Hackhouse Africa and University of Nairobi

Financial literacy for a cohort of young builders in a joint programme by the three partners.

Wanja Waithaka pointing to a Fnsoko slide during a classroom training

Group and workplace trainings

Plain-language sessions on budgeting, saving and investing, built around real Kenyan numbers.

Wanja Waithaka smiling with participants after a training session

And the conversations after

The best questions come after the slides. Every session leaves time for them.

What we stand for.

Five promises that shape every lesson, tool and session.

01

Plain language

Experts speak too much English. If we cannot explain something simply, we keep working on it until we can, with Kenyan examples in shillings.

02

No shame

Money comes and goes, and everyone starts somewhere. Nobody is made to feel behind for what they were never taught.

03

Average strict

You do not need a militant budget. Know what comes in and where it goes, do the basics well and leave room to live.

04

Fun on purpose

Colour, games and real stories, because people remember what they enjoyed learning. Money can be taken seriously without feeling rigid.

05

Education, not advice

We explain how things work and the questions to ask. We never recommend products or providers. This is financial education, not financial advice.

Who Fnsoko is for

Everyday Kenyans who find money confusing: young professionals, families, chamas, Kenyans abroad investing back home, and anyone who has nodded along to financial jargon without really following it.

Where we are going

A research team and specialist advisors in tax and starting a business, the full marketplace built out, classes that reach well beyond Nairobi, and one sentence we would love to hear often: “I attended a Fnsoko class.”

Quick lessons, straight from Instagram.

Knowledge checks, definitions and honest reviews of the apps Kenyans are using. Follow along for a new one every week.

Start where you are. Learn something today.

Free lessons and tools, no sign-up needed. Or say hello and tell me what you would like to learn next.