Personal Money & Habits

Know where your money goes.
And why.

Growth reads your M-Pesa and bank statements, tracks the habits you are building, compares supermarket prices and checks what is in a product. Then it does something most money apps never do: it sets your habits beside your money and tells you honestly whether they moved together.

Start Free See how it works

Free to start with 100 credits. In Kenya shillings. Keep your data on your device if you prefer.

5
Modules, One Sign-In
KES
Built for Kenya Shillings
M-Pesa
Statements Read, Credits Paid
100
Free Credits to Start
Your choice
Data on Device or in Account
The Problem

Most money apps stop at a pie chart. Your life doesn't.

The real record of your money is a statement nobody enjoys reading. Your good intentions live in a different app, or in your head. And at the shelf you are guessing at prices and squinting at small print. Growth puts all of it in one place and keeps it honest.

Your statements are the truth, and unreadable

Typing every M-Pesa line into a budgeting app never lasts a month. Reading the statement itself does the work for you.

Money and habits never meet

Did walking more, cooking at home or skipping the late-night order change what you kept? Without both in one place you can only guess.

The shelf tells you very little

Is this the best price? What is actually in it? Growth looks the price up and reads the label for you, in plain language.

A pie chart you have to feed by hand
Habits in one app, money in another
An AI that sounds sure about numbers it made up
Your own statement, read and sorted for you
Money and habits side by side, with the chance it was luck
Figures worked out by the app; AI only writes the words
How It Works

Bring a statement. Check it. Read the truth.

Three steps for Money. Habits, Goals, Shop and Label are even simpler: open them and use them.

1

Bring your statement

Upload an M-Pesa or bank statement (PDF, CSV or Excel), or a clear photo of the page. The file is read and dropped: Growth keeps only a fingerprint so it can spot the same upload twice.

2

Check what Growth sorted

Every line is filed into a category, and it learns from your corrections so it never asks twice. Nothing the AI suggested counts until you have confirmed it.

3

Read the truth

Income against spending, fees, caps and limits, a written report with charts and a slide deck. Switch Habits on and a Growth report sets your money beside your habits.

Five Modules, One Sign-In

Everything you do with money and daily life, in one place.

Money Habits Goals & Bills Shop Label

Money

Your statements, turned into a clear picture of where the shillings went.

  • M-Pesa and bank statements: PDF, CSV, Excel or a photo
  • Learned categories and rules you confirm once
  • Caps and monthly limits per category and account
  • M-Pesa charges, Fuliza and loan costs counted as fees
  • A written report with charts, CSV export and a slide deck

Habits

Build the habits you want, drop the ones you don't, and see honestly how you are doing.

  • Up to five habits to build and five to drop
  • Check in daily, weekly or monthly on a five-level scale
  • Reminders that never name your habit in an inbox
  • An overview with charts and a written review

Goals & Bills

A target with a deadline, and the bills that keep coming.

  • Named KES targets with a date
  • Record what you have set aside, and see how far you are
  • Editable bills with payment confirmations

Shop

Scan a barcode or type a name, and see what it costs and what it is.

  • Price comparison and product facts, in a quick or a full answer
  • Record a shelf price by name, or by photographing the tag
  • Prices from Carrefour, Naivas, Quickmart and Chandarana websites, each with the shop's own words and a link
  • What people say online, with the sources listed

Label

Photograph an ingredient list and get it in plain language.

  • Food, medicine, cosmetics, electronics and more
  • Flags the allergies and diets you saved
  • Photos kept for six hours so you can look again, then deleted
  • Indicative only: it says so, every time

The Growth report: your money beside your habits

With a few months of both, Growth sets each habit beside your income and spending for the same periods and tells you whether they moved together, and how likely that was just luck.

  • Shows how many comparisons it made, so a lucky one is never sold as a finding
  • Needs at least six closed periods before it shows correlations; before that it says what is missing
  • Never claims one thing caused another, and names the usual suspects (school fees, a holiday, a late salary)
  • The figures are the app's; the AI only helps write it up
Honest By Design

An AI you don't have to take on trust.

Money is the wrong place for confident guesses. So Growth is built so the numbers come from your data, the AI is kept to the words, and you stay in charge of what counts.

The app works out every figure

Totals, averages and comparisons are calculated, not generated. The AI writes around them.

Nothing counts until you confirm it

A category the AI suggests waits for your review. Confirm a line once, apply it to similar ones, and Growth remembers.

An analysis that stretches the truth is thrown away

If a written analysis quotes a number that is not in your data, or claims that one thing caused another, Growth discards it and uses its own wording. You are not charged for text that was thrown away.

It tells you when a link may be luck

Every link between a habit and your money comes with the chance it happened by accident, and with how many comparisons were tried.

Figures From the App You Confirm Every Line Chance of Luck Shown Sources Linked
Try It on Your Own Statement
Your Data

Where your money data lives is your call.

Choose when you set up, and change your mind in Settings whenever you like.

On your device

Your transactions, accounts, rules and reports are saved in your browser, on your device. Growth's server works out a report from what your device sends for that one request, keeps none of it and drops it. Your backup is encrypted on your device with a passphrase we never see.

In your account

The same data stored in Growth's database, so it is there on every device you sign in on. You can download everything we hold, or delete your account and all of its data, at any time.

The statement file is not keptIt is read in memory and dropped. Only a fingerprint stays, to spot a duplicate.
Private people are removed firstNames and phone numbers of other people are stripped before a short extract goes to the AI.
No password, no PIN, no card detailsYou sign in with an emailed code or Google. Your M-Pesa PIN and card details never reach Growth.
Label photos expireKept six hours so you can look again, then deleted. Switch it off and they are never kept.
Take it all, any timeDownload everything we hold in one go.
Delete means deleteDeleting your account removes your data, credits and payment records.
Pricing

Free to start. Pay only for the parts that cost money to run.

Your figures, charts and saved data never cost anything. Credits pay for AI help, reading a photo and searching the web, and nothing else.

Start with 100 free credits

Enough to try a financial analysis, a shop analysis and a label. That is checked, not hoped for: a test prices all three at their longest and fails if they ever stop fitting.

  • No card needed to begin
  • When credits run out, Growth keeps working and leaves the AI parts out
  • Credits never expire
Start Free →

Always free

These never cost a credit, however much you use them.

  • Your figures, charts, caps and limits
  • Uploading and sorting your statements
  • Habits, goals and bills
  • Shop prices, and the allergy and diet checks on a label
  • Exporting and deleting your data
Open Growth →

Need more? Buy a bundle by M-Pesa or card.

One flat rate, whichever bundle: KES 1.30 a credit.

Starter

100credits
KES 130
Suggested

Everyday

300credits
KES 390

Plus

800credits
KES 1,040

Power

2,000credits
KES 2,600

What things usually cost

A usual run. The exact amount follows how much there is to read and write, and every answer shows what it used.

A financial analysis of your moneyabout 12 credits
A shop analysis, with web prices and reviewsabout 18 credits
A label analysisabout 15 credits
Reading one photoabout 1 credit
One web search for prices or reviewsabout 4 credits

You can set your own daily limit on how many credits may be used, see every credit used and where, and ask us to look at any payment from your account.

FAQ

Questions we hear all the time

One sign-in for five tools you use in daily life: Money (read your M-Pesa and bank statements), Habits (build the ones you want, drop the ones you don't), Goals (savings targets and bills), Shop (compare prices and check products) and Label (understand what is in a product). It also sets your money beside your habits and tells you honestly whether they moved together.
It is free to start: you get 100 welcome credits. Your figures, charts, saved data, uploads, prices and allergy and diet checks never cost a credit. Credits pay only for AI help, reading a photo and searching the web. When credits run out, Growth keeps working and simply leaves those parts out.
M-Pesa statement PDFs (including password-protected ones, when you give the password), bank PDFs that contain text, CSV and Excel files, and clear photos of statement pages. A scanned PDF with no readable text cannot be read: upload photos of the pages, or the text version from your bank.
You choose, and you can change your mind later. On your device: Growth's server works out your reports from what your device sends for that one request and keeps nothing, and your backup is encrypted with a passphrase we never see. In your account: your data is stored in Growth's database so every device you sign in on has it. Either way you can download or delete everything at any time.
Growth is built not to ask you to. The app works out every figure itself; the AI only suggests categories and writes the words around them. Nothing the AI suggests counts until you confirm it, and a written analysis that quotes a number that is not in your data, or claims that one thing caused another, is thrown away and replaced by the app's own wording. Growth gives indicative information only. It is not financial, legal or medical advice.
The Growth report sets your habits beside your money for the same periods and says whether they moved together and how likely that was just luck. It needs at least six closed periods before it shows correlations, and below that it says what is missing. A link is never presented as proof that one thing caused the other.
From open product catalogues, from prices people record (by typing or by photographing the shelf tag), and from a web search that surfaces prices shown on the websites of Carrefour, Naivas, Quickmart and Chandarana, each with the shop's own words and a link. Growth does not visit those websites itself, and a price on a website is not a promise of the price on the shelf.
Yes. Growth is an installable web app: open it in your phone's browser and add it to your home screen. Habit reminders can arrive as notifications (on an iPhone only after you add it to the home screen).
Pick a bundle and pay by M-Pesa (a prompt goes to your phone) or by card; the credits are added once the payment is confirmed. Credits do not expire. If you were charged and nothing arrived, or you want a refund, ask from Account then Payments: a person at SafeHouse looks at it and answers with a written reason. You can also set your own daily limit on how many credits may be used.
No. It is a plain-language breakdown that flags the allergies and diets you saved, and it can miss things. Never rely on it alone for an allergy: check the printed label and ask a doctor or pharmacist about any health concern.
Free to start

See your own month, honestly.

Upload one statement and see where the money went. 100 free credits, no card needed, and your data stays where you choose.

Start Free Ask Us a Question

Your statement file is never kept, and your M-Pesa PIN and card details never reach Growth.