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Additional tools and account services.
Welcome to EK Budget Planner
A comprehensive cloud-based budgeting application. Your data is securely stored on our servers and automatically synced whenever you make changes. All features are available anytime, anywhere.
Getting Started
- Create Account - Sign up with your email and password to get started.
- Profile & Settings - Configure your account, global settings, carry-over rules, categories, exchange rates, and fee presets.
- Accounts - Add/edit accounts, enable automatic fee rules, and view balances plus debt snapshots.
- Envelopes - Create envelope budgets, track remaining amounts, and reallocate funds between envelopes.
- Transactions - Capture income, expenses, savings, link to accounts/envelopes, and optionally ignore auto fees per entry.
- Bills & Due Dates - Track bills, set payment schedules, and get reminders for upcoming payments.
- Monthly Dashboard - Review KPIs, zero-based summaries, carry-over tables, top categories, envelopes, and monthly notes.
- Annual Dashboard - Slice data by year/group/category/account for custom trend & breakdown views.
Premium Features
Upgrade your account to unlock advanced budgeting capabilities.
- Bills & Due Dates - Track bills, set payment schedules, and get reminders for upcoming payments.
- Unlimited Budgets - Create as many budgets as you need (free accounts limited to 3).
- Unlimited Transactions - Record unlimited transactions (free accounts limited to 5).
- Unlimited Accounts - Manage multiple bank accounts and financial institutions (free accounts limited to 1).
- Advanced Dashboards - Access Monthly and Annual dashboards with comprehensive analytics (free accounts have access to Main Dashboard only).
- Priority Support - Get dedicated customer support for premium subscribers.
Payment Options
- M-Pesa - Instant mobile money payments for seamless transactions.
- Stripe - Secure credit/debit card payments with international support.
- Flexible Plans - Choose monthly, quarterly, or annual subscription plans.
Data Security & Privacy
- Your data is securely stored on encrypted servers.
- All connections use HTTPS for end-to-end security.
- Your account is protected with secure authentication and JWT tokens.
- You maintain full control of your data - logout and your session is cleared.
- Use Export Data to download a backup JSON file of your budget data.
- Use Import Data to restore from a previously exported file.
Key Features Overview
Budget Management
Create detailed budgets with zero-based budgeting principles. Track income, expenses, and savings with precision.
Advanced Analytics
Analyze spending patterns with monthly and annual dashboards. View trends across categories, accounts, and time periods.
Multiple Accounts
Manage multiple bank accounts and financial institutions in one place with balance tracking and fee automation.
Envelope Budgeting
Use envelope budgets to allocate specific amounts for different purposes and reallocate funds as needed.
Transaction Management
Log all financial activities with flexible categorization, envelope linking, and fee handling options.
Mobile Payment Integration
Pay for subscriptions securely using M-Pesa or Stripe with instant confirmation and receipt tracking.
Tips for Success
- Start with Setup to configure your budget year, currency, and carry-over preferences.
- Create your accounts and envelope budgets before entering transactions.
- Review the Monthly Dashboard regularly to stay on track with your financial goals.
- Use categories and groups to organize your spending for better insights.
- Take advantage of the zero-based budgeting approach to ensure every dollar is allocated.
- Export your data regularly for backup and archival purposes.
- Check the Bills section (premium) to stay on top of upcoming payments.
Need Help?
For detailed information about specific features, navigate to the relevant section using the menu on the left. Each section includes helpful forms, tables, and dashboards to guide you through the process.
Questions about your subscription? Visit the Subscription section to manage your account, view billing history, and access customer support resources.
Planning Workspace
Build budgets, templates, and goals here. Core account settings now live under Profile & Settings.
Experience Mode
Simple mode keeps essentials visible. Advanced mode unlocks full controls.
Budget Setup Basics
Set your base setup first: current year, currency, and current month. Choose Calendar month for 1st-to-last-day budgeting, or Pay cycle if your budget should run from one payday to the next. In Calendar mode, payday is fixed to day 1 automatically.
💡 Tip: To start a new budget month, change the Current Month (and Current Year / Your Payday if needed) below, then click Save Settings. The new budget period will be created automatically, and all tabs will switch to it so you can set up budgets, envelopes, and transactions for the new month.
Carry-over Settings
Carry leftover & overspend: best if you want envelope balances to behave like running balances month to month.
Carry leftover only: keeps savings progress but resets overspending pressure each month.
No carry-over: start clean every month. Good for strict monthly resets.
Carry leftover only: keeps savings progress but resets overspending pressure each month.
No carry-over: start clean every month. Good for strict monthly resets.
Envelopes carry unused balances (and optionally overspend) forward to the next month for expense & savings groups.
Currencies & Exchange Rates
Enter rates against your base currency. Example: if base is KES and market rate is 1 USD = 128.85 KES, enter USD = 128.85. Do not enter the inverse (1 KES = 0.007761 USD).
Base/reporting currency: . Rates are entered relative to the base (base is always 1).
Select or enter a currency, then retrieve the latest rate or save a manual override.
Base currency: —
Categories
Pick a Group first, then add categories under that group. Example: Group Food can have categories like Groceries, Dining Out, and Snacks.
Fee Presets / Charge Profiles
You can skip this section unless you need a fee profile that does not already exist. It will not hurt performance if you leave it unchanged. Example use: create a custom mobile-money fee table for a provider not listed yet.
Define reusable tariff tables for common providers and apply them to accounts with one click.
Tip: You can use the app without changing anything here. Only edit these presets if you want to add a provider that’s missing or update the preset fees with newer data.
Budget Matrix (by Group & Month)
This is where planned amounts are set per month, group, and category. Most other planning screens read from here, so add or update rows here first.
| Year | Month | Group | Category | Budget |
|---|
Budget Templates
Templates save a month’s budget structure so you can reuse it quickly. Use Load from Month to copy existing rows, save as a template, then apply it in future months to avoid rebuilding budgets manually.
Save and reuse monthly budgets as templates.
Existing Templates
Financial Goals
Create goals like savings targets or debt payoff targets. Linking group/category is optional but useful for automatic progress updates based on related transactions.
Define savings or payoff goals and link them to groups and categories so progress updates automatically from your transactions.
| Goal | Target | Group | Category | Progress | % Complete |
|---|
Accounts
Manage the accounts you spend from or save into.
Add / Edit Account
Add each wallet, bank, card, or cash account you use. Keep balance and currency accurate. Use auto-fees only if that account actually charges predictable transaction fees.
Total Current Balance
KES 0
Sum of all account balances.
Accounts Overview
| Name | Type | Balance | Last Updated | Notes |
|---|
Swipe sideways to see more
Envelope Snapshot
| Envelope | Budget | Spent | Remaining |
|---|
Swipe sideways to see more
Balance Distribution
Assets are shown in the donut. Liabilities are tracked separately for a clearer net worth view.
Assets
KES 0
Liabilities
KES 0
Net Worth
KES 0
Net Movement by Account (This Year)
Debts Snapshot
Accounts with negative balances or type "Credit Card" are treated as debts.
Monthly Review Notes
Capture reflections, anomalies, and decisions for the selected month.
Budgets
Filters
Add / Edit Envelope
Envelopes are mainly managed here (activate, edit, carry-over choice), but budget amounts come from the Budget Matrix. You usually do not need to manually type envelope budgets in this section.
My Active Budgets
Browse Previous Months
Select a past month to view its budget:
| Name | Budget | Spent | Realloc In | Realloc Out | Remaining |
|---|
Swipe sideways to see more
Envelope Reallocation
Move funds between envelopes. These entries only adjust envelope balances, not actual cash.
Recent Reallocations
| Date | From | To | Amount | Note | Actions |
|---|
Automatic Envelope Funding Suggestions
Based on this month's envelope balances, these suggestions move funds from envelopes with surplus to envelopes that are overspent.
Click "Generate Suggestions" to see proposals for the selected year and month.
Transactions
Income
—
Expenses
—
Savings
—
Transfers
—
Statement Import (MPesa & Banks)
Import MPesa or bank statements from CSV, XLS, or PDF and turn them into transactions.
PNG / JPG — statement or M-PESA messages screenshot
Preview
Select rows to import. Duplicate rows are disabled automatically. Detected format is shown per row.
| Date | Description | Source | Amount | Balance | Status |
|---|
Import Transactions
Paste transaction messages, bank alerts, or upload statement files and screenshots from one place.
Example transaction messages you can paste
ABC12XY34Z Confirmed. Ksh50.00 sent to JOHN DOE on 14/12/25 at 10:32 AM.
Your account 1234****789 has been debited with KES 450.00 on 18/03/2026 at 07:45.
Mpesa Till transfer of KES 3,667 to 12345 Store Name on 21/03/26 at 4:10 PM.
Preview Parsed Transactions
Select rows to import. Rows with missing dates must have a date set before import.
| Date | Description | Type | Amount | Source | Envelope | Status | Fee |
|---|
Preview Parsed Statement Rows
Select rows to import. Duplicate rows are disabled automatically. Detected format is shown per row.
| Date | Description | Source | Amount | Balance | Envelope | Status | Fee |
|---|
0 messages could not be parsed
Transfer Between Accounts
Add Transaction
Record day-to-day money movements here. Choose type, group/category, and account correctly so reports and goals stay accurate. For moving money between accounts, use Transfer mode instead of a normal transaction.
This Month
Filters
| Date | Desc | Type | Group | Category | Envelope | Account | Amount | Details |
|---|
Monthly Review Notes
Capture reflections, anomalies, and decisions for the selected month.
Bills & Due Dates
Manage recurring and one-off bills, track due dates, and mark bills as paid.
Add / Edit Bill
Use this for recurring obligations (rent, internet, loan, subscriptions) and one-off bills. Set frequency and due-day carefully so reminders and upcoming bills are accurate.
Bills List
| Name | Next Due | Frequency | Amount | Account | Group/Category | Status |
|---|
Recent Bill Payments
| Date | Bill | Amount | Account | Linked Tx | Notes |
|---|
KPIs and breakdown for a selected month.
Filters
Monthly net
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Account balance as of the selected period.
Total Income
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Carry-over
0
Total Expenses
0
Savings
0
Budget Warnings
Expense Breakdown
Tap a slice to highlight · showing top categories
Actual vs Budget by Group
| Group | Actual | Budget | Variance | % of Budget |
|---|
Top Expense Categories
Carry-over Envelopes (by Group)
| Group | Opening Balance | This Month Budget | Available | Actual Spend | Closing Balance |
|---|
Bills Summary
Due This Month
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Paid This Month
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Overdue
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Upcoming (7d)
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Export Reports
Download your financial data as CSV or PDF.
CSV Exports
PDF Reports
Monthly Insights Summary
Get an automatic written summary of this month's budget performance.
Click "Generate Summary" to see an automatic overview for the selected month.
Monthly Review Notes
Capture reflections, anomalies, and decisions for the selected month.
Filter by year, group, category, and account.
Filters
Annual net
0
All-time and period-filtered net follow account balances.
Income
0
Carry-over
0
Expenses
0
Savings
0
Trend Over Year
Breakdown by Category/Account
Subscription Management
Current Status
Provider
No subscription
Status
Inactive
Plan
No plan
Next Billing
N/A
License Status
Inactive
License Expires
N/A
Choose Your Plan
Select a subscription plan to manage your account
Payment Method
Your payment is secured by PesaPal. We never store your card details.
EK
Profile & Settings
Your account
Manage your details, preferences, and budget controls from one place.
Account
Personal Information
Keep your account identity up to date. Email stays fixed for login and recovery.
Advanced Budget Settings
Core setup and lookups
This is the operational layer for your budget. Planning tools like templates and goals stay in the Planning workspace.
Security
Change Password
Keep access tight and deactivate the account safely if you need to step away.
Danger Zone
Deactivate or delete account
Deactivate your account for up to 30 days. You can restore it during that window. After that, your account and data are permanently deleted.
Subscription
Plan and billing
Monitor plan status, payment history, and open billing when you need to change access.
Billing History
| Date | Plan | Amount | Status | Next Billing |
|---|
No billing history available
Support & About
Help, backups, and session control
Everything a user needs when they want help, a backup, or to leave the session cleanly.
Preferences
Preferences
Set how the app feels day to day, without leaving your main workspace.
🎁 Referrals
Your Referral Program
Earn 100 points per referral
0 pts
Marketers earn cash rewards instead of subscription credits
Complete a withdrawal to unlock mode switching
Referrals are disabled on your account. Contact support.
Your Referral Code
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Your Referral Link
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Rewards & Redemption
Marketer Mode Active
Earn cash rewards! 1 point = 1 KES
Redeem your points for subscription credits.
Available Points
0 pts
Points for 1 Month Free
1000 pts
Withdraw your earnings as cash.
Available Balance
KES 0
Minimum Withdrawal
KES 500
Activity History
| Status | Date | Points | |
|---|---|---|---|
| Loading... | |||
Trash
Recently deleted items are kept for 30 days. You can restore them or permanently delete them.
0 items in trash
| Type | Name / Description | Deleted | Expires | Actions | |
|---|---|---|---|---|---|
| Trash is empty | |||||
Support
Create a ticket or reach us directly for help.
Tutorial Hints
Reset dismissed tutorial prompts so they appear again.
Contact
Email: support@ekplanner.me
Phone: +254 119 198 114
We typically respond within 24-48 hours.
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Learning Hub
Learn with structured finance courses, practical guides, and community knowledge you can resume at any time.
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