Voice-First AI Finance · English & Swahili

Your money.
Your voice.
Your coach.

Chat Accounts turns money tracking from a chore into a conversation. Just say "I spent 850 on groceries" — AI logs it, categorises it, and builds your financial picture automatically. Then get coached, and turn your notes into professional documents in seconds.

Try It Free — No Card See how it works

Professionals across Kenya tracking money and writing documents with Chat Accounts

Person struggling with spreadsheets and receipts

The Problem

Tracking money is
a chore. It doesn't have to be.

Spreadsheets are tedious. Finance apps need manual entries. Professional documents take hours. Most people give up and run their finances on guesswork — and their work documents on borrowed time.

Spreadsheets don't talk back

You know what you spent but don't want to open Excel to log it. Chat Accounts lets you say it out loud in the same way you'd tell a friend — and AI handles the rest.

Professional documents take hours

A proposal that should take 20 minutes takes half a day. Chat Accounts' Document Studio generates polished, multi-page DOCX files — with your logo and signature — in seconds.

You have no idea what your money is doing

Without a clear picture of income, expenses, and debts, planning is guesswork. Chat Accounts builds that picture automatically and has an AI coach explain it in plain language.

How It Works

Say it. Track it. Understand it.

No forms, no receipts to scan, no spreadsheets. Just a natural conversation with an AI that actually listens.

Speak or type

Tap the mic and say "Nilitumia elfu moja kwa mkate" — or type in English. Chat Accounts understands conversational money language, not accounting jargon.

AI extracts & categorises

Claude AI extracts the amount, category, and details from what you said — then saves it to the right bucket: Expense, Income, Debt, or Note. You confirm with one tap.

Dashboard, coach & documents

View your period dashboard, get an AI financial coach report, and create professional documents from your notes — all in one place, all on your phone.

Features

Track. Understand. Create.
All in one conversation.

Voice-First Capture — English & Swahili

Tap the mic and speak naturally. Cloud-powered speech-to-text (ElevenLabs Scribe) understands English and Swahili — so you can say "nilitumia" or "I spent" and it just works. Type instead whenever you prefer.

AI Extracts Every Detail Automatically

Claude AI reads your message and pulls out the amount, category, payee, and context — even from messy conversational language. No fields to fill. No dropdowns to pick. Just confirm and move on.

Financial dashboard with period tracking

Period-Based Dashboard

Track weekly or monthly financial periods. Your dashboard shows period income, expenses, net position, savings rate, a cash-flow trend chart, and spending by category — all scoped to your current window.

AI Financial Coach

Tap "Get AI Analysis" and your coach delivers a plain-language report — honest, motivational, and specific to your numbers. Not generic tips, but a genuine read of your actual spending patterns this period.

Debt Tracker — Who Owes What

Log debts in seconds: "Omondi owes me 5,000" or "I owe Sarah 3,500 for rent." Your Debts page shows outstanding amounts owed to you and amounts you owe — so nothing falls through the cracks.

Phone-First PWA — No Download Needed

Open growth.safehouse.co.ke in Chrome or Safari, tap "Add to Home Screen", and Chat Accounts lives on your phone exactly like a native app — fast, offline-capable, and always in your pocket.

Document Studio

From your notes to a
professional document. In seconds.

Select your notes, choose a document type, and let AI turn them into polished, formatted, print-ready documents — complete with your logo, signature, and contact details.

Quick Drafts — Instant, Free

Professional Letter
Internal Memo
Invoice
Receipt
Meeting Minutes
Simple Agreement

Long-Form — Multi-page DOCX

Business Proposal (up to 40 pages)
Full Report with sections & TOC
Curriculum Vitae (CV)
Business Profile / Company Brief
Cover page, page numbers & footer
Upload PDF or DOCX as source file

Your Document Profile

Logo auto-inserted on cover page
Signature image embedded at end
Name, business, address, phone
Email & website in contact block
Set once — used on every document
Editable [placeholders] for personalising

Downloads as .docx — opens in Word

AI designs 8–14 section outline first

Cost estimate shown before you commit

Upload PDF or Word as your source

What People Say

Real people. Real results.

★★★★★

"I used to dread end-of-month reviews because I had no idea where my money went. Now I just talk to Chat Accounts throughout the day and the dashboard tells the whole story. The AI coach is brutally honest — in a good way."

Beatrice N.

Finance Officer, Nairobi

★★★★★

"The Document Studio saved me a full day of work. I had rough notes for a 15-page proposal. I uploaded them, Chat Accounts designed the outline, expanded each section, and I had a finished Word document in 20 minutes. The client thought I hired a writer."

Kevin O.

Freelance Consultant, Mombasa

★★★★★

"Ninazungumza Kiswahili zaidi kuliko Kiingereza kila siku. Ni vizuri sana kwamba Chat Accounts inanielewa bila shida — naweza kusema 'nilitumia' au 'wananipea' na inachukua kila kitu. Rahisi kabisa."

Amina H.

Business Owner, Kisumu

Pricing

Pay only for what you use.
No subscriptions.

Tracking expenses, viewing your dashboard, and getting AI coaching is free. Document Studio and AI coaching use credits — buy them with M-Pesa or a card when you need them.

Always Free

Core Tracking

Free

forever — no card needed

Capture expenses, income, debts and notes — by voice or text. View your dashboard and period summaries at no cost.

Voice & text capture
Expenses, income, debts & notes
Period-based dashboard
Cash-flow trend & category charts
Debt tracker
English & Swahili

Start Free →

Questions we hear all the time

Do I have to use voice or can I just type?

Both work equally well. Chat Accounts is voice-first by design, but you can type every single entry if you prefer — the AI extracts the same information either way. You can also switch between voice and text mid-conversation. Tap the mic icon to toggle between modes at any time.

Does it really understand Swahili?

Yes. Chat Accounts uses ElevenLabs Scribe for speech-to-text, which handles Swahili accurately, and Claude AI for understanding — which also understands Swahili text natively. You can say "Nilitumia elfu mbili kwa chakula" and it will correctly log KES 2,000 under Food. You can mix English and Swahili freely in the same sentence.

What is a "reporting period" and why does it matter?

A reporting period is a time window — weekly or monthly — during which you track your finances. All entries are tagged to the active period, so your dashboard shows exactly what happened within that window. When a period ends, it closes automatically and a new one begins. You can review closed periods at any time.

How long does a long-form document take to generate?

Long-form documents are generated section by section. The AI first designs an outline (8–14 sections) and gives you a cost estimate. You approve, then it expands each section one at a time — showing progress and running cost as it goes. A 15-page proposal typically takes 3–5 minutes. The finished DOCX downloads instantly and opens in Microsoft Word or Google Docs.

Can I add my logo and signature to documents?

Yes. In Settings, set up your Document Profile — upload a logo image and signature image, and fill in your name, business, address, phone, email, and website. These are automatically embedded in every long-form document: logo and contact block on the cover page, signature at the end. Set it once, use it forever.

How do I pay and top up my credits?

Go to the Wallet page, choose a credit pack (KES 200, 500, or 1,000), and pay via M-Pesa STK Push (Kenya) or a debit/credit card. Credits are added instantly. For other markets — Tanzania, Uganda, Ghana — card payment is available with local currency display. Credits never expire, so you can buy ahead with no pressure.

Your money.Your voice.Your coach.

Tracking money isa chore. It doesn't have to be.

Spreadsheets don't talk back

Professional documents take hours

You have no idea what your money is doing

Say it. Track it. Understand it.

Speak or type

AI extracts & categorises

Dashboard, coach & documents

Track. Understand. Create.All in one conversation.

Voice-First Capture — English & Swahili

AI Extracts Every Detail Automatically

Period-Based Dashboard

AI Financial Coach

Debt Tracker — Who Owes What

Phone-First PWA — No Download Needed

From your notes to aprofessional document. In seconds.

Real people. Real results.

Pay only for what you use.No subscriptions.

Questions we hear all the time

Your money finally hassomeone listening.

Your money.
Your voice.
Your coach.

Tracking money is
a chore. It doesn't have to be.

Track. Understand. Create.
All in one conversation.

From your notes to a
professional document. In seconds.

Pay only for what you use.
No subscriptions.

Your money finally has
someone listening.