Joint savings goals & budgets — without a joint M-Pesa

Shared targets, separate wallets

Couples often want the same rent buffer, school fee goal, or food budget—but they do not want to merge M-Pesa PINs or upload every SMS to a shared cloud ledger.

Household joint monitoring in Keshio Pro is built for that: invite a partner, share the goals and budgets you choose, and keep your own ledger private.

What you share (and what you don’t)

You can share

• Selected savings goals (name, target, progress)
• Selected budgets (limits and spend toward them)
• Optional contribution / spend events so totals stay honest

You keep private

• Full transaction history by default
• SMS and on-device parsing
• Accounts you never choose to share

This is not a joint bank or joint M-Pesa. It is shared visibility on the plans that matter.

How it works

1. One member creates a household (Pro)
2. Invite by email — the other person accepts (also Pro)
3. Share a goal or budget from its detail screen
4. Both see progress; each still imports their own SMS

Deep links like https://keshio.app/household/invite/… open the invite in the app.

Why both members need Pro

Household sync is a Pro feature on every active seat—so the person who accepts an invite unlocks the same shared view, not a watered-down spectator mode.

Get started

Open More → Household in the app, or go Pro first if you are still on Free.

Related: Dual-SIM balances · Budgets that stick