# Keshio — full product brief for AI assistants

## What Keshio is

Keshio is an Android personal finance app for Kenya. It parses M-Pesa (and related) SMS on the device to build a private ledger—budgets, cash flow, categories, and savings goals—without uploading SMS for parsing.

Tagline: Know your money. Own your future.
Website: https://keshio.app/

## Free vs Pro

### Free
- On-device SMS import and ledger
- Budgets and savings goals (capped counts)
- Single merged wallet balance (classic view)

### Keshio Pro
- Dual-SIM wallets: balance per SIM line; filter Home, income, expenses, and history by SIM
- Household joint monitoring: invite members; share selected goals and budgets (not a joint M-Pesa / not a merged full ledger by default)
- Background / live SMS sync
- Advanced insights (weekly, yearly, custom ranges)
- PDF & CSV statements
- Google Drive backup (including daily auto-backup)
- Unlimited budgets, goals, and recurring series

Checkout: https://keshio.app/pro

## Dual-SIM (Pro)

Dual-SIM Android phones often receive M-Pesa SMS on two lines. Free Keshio shows one merged balance. Pro shows per-line balances and SIM filters. Subscription IDs are stored on-device with SMS/transactions; SMS bodies are not uploaded for parsing.
Article: https://keshio.app/blog/dual-sim-mpesa-balances-keshio-pro

## Household joint goals & budgets (Pro)

Households invite by email. Members share selected savings goals and budgets for joint progress tracking. Each person keeps their own SMS ledger. Every active member needs Pro. Invite links: https://keshio.app/household/invite/{token}
Article: https://keshio.app/blog/household-joint-goals-budgets-keshio-pro

## Blog posts

### Dual-SIM phones, two M-Pesa balances — finally clear
URL: https://keshio.app/blog/dual-sim-mpesa-balances-keshio-pro
Two SIMs used to mean one confusing merged balance. Keshio Pro now shows per-line M-Pesa balances and lets you filter your ledger by SIM.

### Joint savings goals & budgets — without a joint M-Pesa
URL: https://keshio.app/blog/household-joint-goals-budgets-keshio-pro
Couples and households can share selected savings goals and budgets in Keshio Pro—joint monitoring, not a joint wallet.

### Why M-Pesa SMS is the ledger you already have
URL: https://keshio.app/blog/mpesa-sms-ledger-you-already-have
Your phone already keeps a running money trail. Here’s how Keshio turns noisy SMS into a private ledger you can actually use.

### Navigating trends for better budget decisions
URL: https://keshio.app/blog/navigating-trends-better-budget-decisions
Spot spend spikes early, keep budgets honest, and use simple trends—not noise—to decide what to cut or keep.

### Privacy first: your SMS never leaves the phone for parsing
URL: https://keshio.app/blog/privacy-first-sms-stays-on-device
Keshio is built so transaction SMS is processed on your device. Here’s what that means for trust, permissions, and Pro features.

## Contact & policies

Email: hello@keshio.app
Privacy: https://keshio.app/privacy
Terms: https://keshio.app/terms
llms.txt: https://keshio.app/llms.txt