Welcome to your Fnsoko Budget Planner — a practical, thoughtfully designed budgeting tool created to help you move from financial overwhelm to financial clarity.

Whether you’re just starting your financial journey or looking to build more consistency with your money, this planner helps you understand where your money goes, how to plan ahead, and how to make choices that align with your goals. It’s simple enough to use daily, yet powerful enough to grow with you.

The planner features an automatic annual dashboard that gives you a clear overview of your finances as you log monthly transactions, making it easier to reflect, adjust, and stay intentional. With guided reflection prompts, income tracking, expense categorisation, savings planning, and debt monitoring, you’re supported every step of the way — without complicated formulas or confusing layouts.

Designed with real Kenyan incomes and expenses in mind, the Fnsoko Budget Planner allows you to:

• Track income, expenses, savings, and debt in one place

• Monitor monthly performance with automatic calculations

• Reflect on what worked and what needs improvement

• Set realistic financial goals and review progress quarterly

• Build a budgeting system that feels achievable, not restrictive

This isn’t just a spreadsheet — it’s a mindset shift. A reminder that your finances don’t have to feel chaotic. They can be intentional, flexible, and empowering.

You’ve taken an important first step toward better money management — and we’re proud of you for that. 💛