The plain answer
What is a financial co-pilot?
Most people can tell you what they earn. Very few can tell you where it went. A financial co-pilot is the app that answers that, month after month.
Definition
financial co-pilotnoun
A financial co-pilot is an app that shows you where your money goes, then helps you decide what to change. It never touches your money: you log what you spend or import your statement, and it sorts every shilling into one clear picture of your month.
The difference
Not a tracker. Not a budget.
An expense tracker writes down what already happened. A budget app gives you rules and tells you when you broke them. A co-pilot does neither. It shows you the whole picture, helps you pick one thing to change, and next month shows you whether it worked.
What it does
Four things, every month
01
Shows you where you stand
Every shilling in and out, on one screen. It is built from what you log and import, and you can check every line.
02
Never touches your money
There is no PIN and no link to your M-Pesa. You keep paying the way you always have.
03
Shows you what changed
Make one change this month. Next month, your numbers show you what it did.
04
Gets sharper as you use it
Correct a label once and it remembers. You stay a callsign, never a name.
Why Kenya
Why it started here
Most Kenyans run their money on a phone. Hundreds of M-Pesa messages a month, and no easy way to add them up. Jijenga starts with your M-Pesa statement because that is where most of the story is. Bank statements come next.
Who it’s for
Anyone who earns
If money comes in and you want to know where it goes, it is for you. You don’t need to be good with numbers. It does the adding up; you decide what to do about it.
Questions
Questions, plainly
Is a financial co-pilot a budgeting app?
No. Budgeting apps hand you rules and judge you against them. A co-pilot shows you where you stand and helps you choose, no rules imposed, no judgment.
Does Jijenga move my money?
Never. Jijenga cannot access your accounts and cannot move a shilling. You act on your own rails; Jijenga shows you the picture and the proof.
What does it cost?
Your first week is free. Then KSh 399 a month. Every plan is the full product. Plans differ only in duration.
Is my data safe?
You never give a name. Members are anonymous callsigns. Statements are encrypted. There is nothing to leak that identifies you. Delete anytime.
Which money does it understand?
Anything you log, cash included. M-Pesa statements import automatically today. Bank sources are being built. The goal is your whole position in one place.
See your month. Keep more of it. Build from there.
Start freeYour first week is on us. No card, no auto-charge.