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

20 September 2026 4 views

Couples and households can share selected savings goals and budgets in Keshio Pro—joint monitoring, not a joint wallet.

Couple reviewing shared household finances together

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

One member creates a household (Pro)
Invite by email — the other person accepts (also Pro)
Share a goal or budget from its detail screen
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.