Free · Anonymous · Built for Kenya 🇰🇪
Jipange kabla pesa ikupange.
Your money is working hard. Just not for you.
Inflation quietly erodes your savings. Fuliza bridges the gap for 17.7 million Kenyans borrowing for food and rent. And 81% of Kenya's workforce has no pension plan. JiPange changes that — one honest calculation at a time.
57.9%
of Kenyans cannot pass a basic financial literacy test
FinAccess Household Survey, 2024
Start with one win
What do you want your money to do better?
The Kenya money gap — in three numbers
What the data actually says about how Kenyans manage money
3.23%
Average bank savings rate
Inflation runs at 6.41%. Money "safe" in a bank account loses real purchasing power every single day — silently, automatically.
CBK Banking Sector Report, 2026
Run the inflation maths →10.3%
Kenya MMF baseline return
Same shillings, right vehicle. Yet Ksh 6.52 trillion sits in bank accounts — only Ksh 442.2 billion (6.8%) is in money market funds.
CMA Collective Investment Schemes Quarterly Report, Q1 2026 · CBK banking sector data
See the compounding →17.7M
Kenyans who used Fuliza in a year
Ksh 1.46 trillion borrowed — mostly for food, rent and school fees. That is Ksh 82,486 per borrower across the year. This is a planning gap, not a cash-flow accident.
Safaricom PLC FY2026 Annual Results
Calculate Fuliza's true cost →Want the evidence?Explore the research behind JiPange’s Kenya-first approach
Research findings
The problem is structural, not personal
These are not individual failures. They are system-wide gaps that JiPange is designed to help you navigate.
81%
of Kenya's workforce has no active pension contribution
Only 19% of working Kenyans actively contribute to a pension scheme. And of those who do reach retirement, just 32.2% say their retirement income covers their daily needs — 67.8% say it does not, after saving for 30–40 years.
Retirement Benefits Authority — Pensioners Survey 2024 (427 recent retirees)
26.5%
of working-age Kenyans are enrolled in any retirement scheme at all
And enrolled is not the same as paying in — that figure counts dormant members too, which is why 81% make no active contribution. Side hustles, chamas, small businesses: 18.1 million Kenyans in the informal sector are building their livelihoods with almost no formal retirement safety net.
Retirement Benefits Authority — industry brief, half-year to June 2025 · KNBS Economic Survey
84.8%
of Kenyans have access to formal financial services
Financial inclusion has never been higher — M-Pesa has driven gender parity to within 1.6 percentage points. Access is not the problem. What Kenyans do with that access is where the gap persists.
FinAccess Household Survey 2024 — CBK / FSD Kenya / KNBS
42.1%
of Kenyans passed all 3 financial literacy questions
Questions covered inflation, interest rates, and risk diversification. 57.9% could not pass — meaning the majority are making daily financial decisions without the tools to understand the consequences. JiPange is the missing tool.
FinAccess Household Survey 2024 — CBK / FSD Kenya / KNBS
“Most Kenyans aren't broke —
they're misallocated.
The money is there. The plan is missing.”
You earn a salary. PAYE, NSSF, SHIF and Housing Levy leave before you touch it. Rent on the first. School fees in January, April, September. Fuliza at the end of the month when the calculation doesn't balance. A Sacco loan you're guaranteeing for three colleagues. Your financial life is genuinely complex — and it was never designed with a Kenya-specific plan in mind.
JiPange is the only calculator suite built specifically for this reality. Every number is grounded in Kenya's actual tax bands, real MMF yields, the NSSF Act 2013 phased rollout, SHIF contributions, and Sacco mechanics — not a US retirement spreadsheet with a Ksh sign dropped in.
No black box. No selling. No accounts.
JiPange shows you the maths, names the vehicle, and hands you the M-Pesa paybill. The rest is yours.
⚠️ Fuliza reality check
≈365%
Real annualised cost of Fuliza
Ksh 6.00/day on Ksh 600feels like loose change. Annualised, it's the most expensive credit product most Kenyans ever use — more than bank overdrafts, more than credit cards. Kenyans borrowed Ksh 1.46 trillion through Fuliza in the year to March 2026.
Safaricom PLC FY2026 Annual Results
💡 The opportunity
Ksh 6.1T
in bank accounts earning below inflation
Of Ksh 6.52 trillion in Kenyan bank savings, only Ksh 442.2 billion is in money market funds — earning 9–12% vs. bank rates of 3.23%. The difference at Ksh 100,000 over 5 years is over Ksh 50,000 earned or lost.
CMA Collective Investment Schemes Quarterly Report, Q1 2026 · CBK
The process
From “pesa inaisha” to a plan — in three steps
No spreadsheets. No financial jargon. No signup. Just the honest picture and the next move.
Tap 5 answers
Anonymous, zero typing. Your life stage, income zone, and one financial priority — that's all we need to build something specific to you. 90 seconds, on any phone.
See your Pesa Picture
Your survival runway, where inflation is eroding your money, your real PAYE breakdown, and the exact cost of every silent leak — in one honest, Kenya-specific screen.
Get your action plan
The exact vehicle — MMF, Sacco, DhowCSD T-Bill — the monthly milestone, and the M-Pesa paybill to start today. Not next month. Today.
Self-serve calculators
Start with a quick win
Take-Home Pay
Exact net: PAYE, NSSF, SHIF & Housing Levy
Investment Returns
MMF vs bank vs T-Bill — see the compounding gap
Money Runway
How long your savings survive a job loss
Sacco Guarantor Shield
Your real unencumbered borrowing power
KPLC Token Checker
Your real cost per unit, from your own receipt
True Cost of Fuliza
What Ksh 6.00/day really costs you annually
Goal planners
Working toward something specific?
Six planners that reverse-engineer exactly what you need to do this monthto hit your goal — whether it's school fees next term, a plot, or a retirement that doesn't disappoint.
Each planner accounts for Kenya inflation, Sacco mechanics, and the actual savings vehicles available to you — not a generic compound-interest graph built for a different country.
Your honest Pesa Picture. 90 seconds away.
No black box. No selling. No accounts. Just the maths, the vehicle, and the paybill to start. The rest is yours.
Start my plan — it's free ›Sources: FinAccess Household Survey 2024 (CBK/FSD Kenya/KNBS) · RBA Pensioners Survey 2024 · CMA Collective Investment Schemes, July 2026 · Safaricom FY2026 Annual Report · Pension Policy International/KIPPRA 2024. Rates current July 2026.