# Keshio
> Personal finance for Kenya. Turns M-Pesa SMS into a private on-device ledger. Pro adds dual-SIM balances, household joint goals & budgets, insights, exports, and Drive backup.

Site: https://keshio.app/
Contact: hello@keshio.app

## Product
- [Home](https://keshio.app/): Product overview, features, download CTA
- [Keshio Pro](https://keshio.app/pro): Paid plan — dual-SIM wallets, household sync, insights, export, Drive backup
- [Waitlist](https://keshio.app/waitlist): Early access signup

## Key features
- On-device M-Pesa / bank SMS → ledger (free core)
- Dual-SIM wallets: per-line balances + SIM filters (Pro)
- Household joint monitoring: shared goals & budgets, not a joint wallet (Pro)
- Budgets, savings goals, cash flow, categories
- Advanced insights, PDF/CSV export, Google Drive backup (Pro)

## Insights (blog)
- [Insights index](https://keshio.app/blog)
- [Dual-SIM phones, two M-Pesa balances — finally clear](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](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](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](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](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.

## Policies
- [Privacy Policy](https://keshio.app/privacy)
- [Terms of Use](https://keshio.app/terms)

## Optional
- [Full LLM brief](https://keshio.app/llms-full.txt): Longer product summary for retrieval
- [Sitemap](https://keshio.app/sitemap.xml)