Your salary arrives. Bills hit. Goals compete. Money OS turns the mess into a simple answer: what is safe to spend, what comes first, and what your next shilling should do.
Build one month of essentials first. Your next pay is allocated before lifestyle spending starts.
AMKA Money OS is built for salary planning and everyday money management in Kenya. Use it to work out your monthly free cash, daily safe-to-spend amount, payday allocation, emergency-buffer target, debt-versus-invest trade-off, goal contribution and whether a planned purchase fits your current cash flow.
Want a simpler starting point? Use AMKA's monthly budget planner or browse the free money calculators.
Not your account balance. The amount left after the things your money already owes.
This mini tool only checks monthly cash flow. Money OS adds emergency-buffer, debt-vs-invest, goals and purchase-decision logic.
See whether your priority is stabilising cash flow, attacking debt, building a buffer or growing investments.
Give every shilling a job before payday money quietly disappears into random spending.
Compare the cost of your debt with your expected investment return instead of guessing.
Test a phone, trip, car deposit or other purchase against your buffer and monthly free cash.
Turn “I need KSh 300k” into the exact monthly amount and flag when the target needs more time or more income.
See what consistent investing could become and the capital implied by a target level of passive income.
Educational planning tool. It does not provide personalised investment advice or guarantee returns.
Enter your email and AMKA will send the payment instructions. Once payment is confirmed, your Money OS copy will be sent to the same email.
A Kenya-focused budget and money-management workbook designed to turn your income, commitments, debt and goals into clear planning numbers.
No. Budgeting is one part. It also includes safe-to-spend, payday allocation, debt-vs-invest, goals, affordability and long-term planning tools.
No. It is an educational planning tool, not personalised financial advice.