Free money check-in

Money, in plain language

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

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  2. Tools

Free money tools that do the maths for you.

Budget your salary, plan a savings goal, compare MMF and T-bill returns and check a loan before you sign. Plain language, Kenyan numbers, and it all works on your phone.

Open the budget plannerSee all six tools
6free tools
Noaccount needed
KESKenyan numbers

Start with the question you are asking.

Each tool answers one everyday money question. Put in your own numbers, read the plain-language explanation under the result, then change one thing and watch what moves.

Where does my salary actually go?

Smart Budget Planner

See where your monthly income goes and how much you can save, the average strict way.

Who it is for: anyone whose pay disappears before the month ends, or who has never written a budget down.
Open the tool
Where should each goal’s money live?

Give Your Money a Job

A two-minute game: match five real goals to the right home for the money and test your timeline sense.

Who it is for: beginners, students and anyone who wants to learn the timeline rule in two minutes, without numbers.
Play the game
Hands with a calculator, a phone and a notebook

Your numbers stay on your device.

Salary, rent, loans: these are private. The tools do every calculation inside your browser, so nothing you type is sent to Fnsoko or stored anywhere.

  • No account, no sign-up, no tracking of what you enter.
  • Close the page and the numbers are gone.
  • Want a copy? Email yourself the results. That is the only time we receive anything, and only because you asked.

Get the most out of every tool.

  1. Use real numbers

    Your take-home pay and what you actually spend, not what you wish you spent. Rough is fine.

  2. Read the explanation

    Under every result is a short note on what it means for you. That is where the learning is.

  3. Change one thing

    Move the date, the rate or the monthly amount and watch the result. That is how you find your options.

  4. Talk it through

    A calculator gives you a number. The free Financial Clinic helps you decide what to do with it.

Go deeper with the articles.

Short reads that explain the ideas behind the tools: budgeting that sticks, how T-bills and bonds work, and the checks to make before you invest.

All articles
Investing

Before You Invest: 5 Checks to Make Before Anyone Touches Your Money

When someone tells you about an investment opportunity, what is the first thing you ask? For most of us, it is probably some version of: “How much will I...

28 September 2026
Investing

Dissecting Kenya’s First Listed Infrastructure Fund

There is a fascinating intellectual dissonance in how we view development. For years, as you drove past massive logistics hubs, expanding fiber networks...

19 May 2026
Bonds and T-bills

Concrete or Greenery? Choosing Sides in Kenya’s Bond Boom

I’ve been sitting by my window in Nairobi, watching the skyline shift, and I realized something: the cranes aren’t the only things moving. Money is moving...

6 May 2026
BudgetingBonds and T-billsInvesting

Good to know.

Are the Fnsoko tools free?

Yes. Every calculator and game here is free, works on your phone, and does not need an account.

Do you store what I type?

No. The numbers stay in your browser. We only receive your details if you choose to email yourself the results.

Are these tools financial advice?

No. They are teaching tools that show how the numbers work, using illustrative rates. For your own situation, book a free Financial Clinic check-in.

This is financial education, not financial advice. Rates used in the tools are illustrative and change often.

Want a person, not a calculator?

The Financial Clinic is a free check-in where we look at your goals, timelines and options together, in plain language.

Book my free check-inStart learning