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Know whereyour moneyis going.
It’s not how much you make. It’s how much you keep.
How it works
Smarter expense tracking for Kenya & Rwanda.
Everyday money, clearer habits.
Wavvy turns everyday transactions into personalized insights so you can understand, manage, and decide with confidence.
- 01UnderstandSee where your money goes
- 02ManageSet budgets and track goals
- 03DecideBuild healthier money habits
Step 1
AI-assisted expense tracking
Import transactions from SMS and PDF statements, bank or cash in the same view, and create categories that stay current as you spend. Avoid the Sunday-night spreadsheet hassle.
- Import from mobile money, bank & cash
- AI categorizes and keeps learning
- Smart categories that update as you spend
- Secure, private and 100% yours
Step 2
Know where money goes faster
Insights and breakdowns tuned for local habits, so you spot drift early and decide with confidence.
- Category and merchant views in one place
- See trends week over week without extra work
Step 3
Budgeting for what matters
Be intentional and goal-oriented with money. Set envelopes that put needs before wants: rent, transport, airtime, and family support, so you stay accountable before you tap Send again.
- Envelopes that prioritize needs over wants
- Goal-oriented budgets you can actually follow
- Heads-up before you overspend a category
Step 4
Interested in learning more?
Check out our tutorials for guided walkthroughs and practical tips that help you get more value from Wavvy Wallet.
- Short, practical video walkthroughs
- Follow along step by step at your pace
Latest Blog
Actionable insights to help you spend smarter and save more.
Why Wavvy Wallet Matters
The real problem Financial access is important, but access alone doesn’t give people financial clarity.
Our Mission
Financial Freedom and Inclusion
Being rich is about what comes in. Being wealthy is about what stays: lasting control over your money. Wavvy helps underserved users, including those without traditional bank accounts, build that control.
It’s not about what comes in. It’s about what you keep.
Real money goalsBuilt for freelancers, students, professionals, and small businesses.
Inclusive by DesignSimple, accessible and relevant for everyone.
Empower Your FutureStay intentional: track goals, build saving habits, and grow with confidence.
You're in ControlWavvy empowers your choices. It doesn’t restrict you.
Your Data, Your Control
Privacy First with On-Device Storage
All your financial data is stored securely on your device. Wavvy Wallet ensures your privacy by eliminating external server storage, keeping your sensitive information safe.
Your data stays with you
No external servers
Offline-first tracking
KES & RWF ready
Making an Impact
Aligned with the UN Sustainable Development Goals
Our mission goes beyond your wallet. Wavvy Wallet supports the UN SDGs through better financial habits, transparency and everyday choices that add up for people and the planet.
Decent work and growth
Responsible consumption
Small steps, big impact
Featured Story
Real stories from creators and businesses growing with Wavvy Wallet.
How Wavvy Wallet Helped Me Track Every Shilling Spent Releasing Swakacha
Releasing an album is creative, emotional and expensive. When I decided to independently release my project Swakacha, I knew the music had to be intentional, but so did the money behind it.
- Tracked every expense in real-time
- Stuck to budget and avoided debt
- Released with financial clarity
What Our Users Say
Real feedback from people building clearer money habits with Wavvy Wallet.
Pricing Plans
Choose the perfect plan to manage your finances smarter.
Recommended
Annual Pro Plus
Premium features and support
Save KES 200
KES 1,000 / year
Full access to all features
- Create custom tags
- Basic overview reports
- Auto-tag transactions
- Custom date range picker
- Insights & Cash Flow Reports
- Budget Trackers
Secure & PrivateYour data is 100% secure.
Cancel AnytimeNo long-term commitments.
24/7 SupportWe're here to help.
All subscription payments are non-refundable.
Frequently Asked Questions
Everything you need to know about Wavvy Wallet.
About Wavvy Wallet
Wavvy Wallet is an AI-powered expense tracker built for Kenya and Rwanda. It imports your M-PESA and MTN MoMo transactions from SMS and PDF statements, organizes them into smart categories, and shows you clear reports and budgets so you always know where your money is going.
Install the app and allow it to read your M-PESA or MTN MoMo SMS receipts, or import a PDF statement. Wavvy's AI automatically tags each payment (rent, food, transport, airtime, and more) and learns from your edits over time. Your dashboard updates with spending breakdowns, trends, and budget progress in KES or RWF. You can also add bank and cash transactions manually in the same view.
Kenya runs on M-PESA, and Wavvy is built for that reality. It recognizes local paybills, till numbers, and merchant names that generic finance apps often miss. Categories, insights, and budgets are tuned for Kenyan spending habits in Ksh, on your phone, so you spend less time fixing labels and more time making better money decisions.
Yes. Wavvy is now in Rwanda. Track your MTN MoMo spending from SMS and PDF statements, then see it organized into smart categories, reports, and budgets in RWF. It is the same privacy-first expense tracker people use for M-PESA in Kenya, tuned for how money moves on MTN MoMo.
Wavvy works best with the mobile money you already use: M-PESA in Kenya and MTN MoMo in Rwanda. Automatic import comes from those SMS receipts. You can still track bank transfers and cash spending manually, but you'll get the fullest, hands-free experience with M-PESA or MTN MoMo as your primary money tool.
Features & Usage
Open the app and head to Insights from your dashboard. Pick a weekly, monthly, or custom date range to see where your money went, category by category. Pro and Pro Plus plans unlock deeper breakdowns and Cash Flow views that help you spot trends and plan ahead.
You can get started with core tracking features, then upgrade to Pro Plus for full insights, cash flow reports, auto-tagging, budgets, and more. See current prices in our Pricing section. In Kenya, pay monthly or yearly via M-PESA STK Push.
If you've completed payment but your subscription isn't showing yet, log out of the app and log back in. This refreshes your account and syncs the latest payment status. If it still doesn't update after signing back in, email info@wavvy.africa and we'll sort it out.
Security & Privacy
Yes. Wavvy is privacy-first by design: your financial records are stored on your device, not on external servers. We don't sell your data to third parties, and your transaction history stays under your control. Read more in our Privacy Policy.
Getting Started
Wavvy Wallet is free to download on Android and iOS via the Google Play Store and Apple App Store. Once installed, you can start tracking in minutes.
1. Download Wavvy from the Google Play Store or Apple App Store. 2. Sign in and allow M-PESA or MTN MoMo SMS access so your transactions import automatically. 3. Review your dashboard, set a budget, or explore reports. Need a walkthrough? Visit our Tutorials page, or email info@wavvy.africa and we'll help.