Wavvy Wallet
Login

Know whereyour moneyis going.

It’s not how much you make. It’s how much you keep.

  • Track spending
  • Manage budgets
  • Build financial confidence
Wavvy Wallet My Money dashboard and recent transactions
Wavvy Wallet Insights expenses by category
Wavvy Wallet Budgets overview and spending progress

How it works

Smarter expense tracking for Kenya & Rwanda.

Everyday money, clearer habits.

Wavvy turns everyday transactions into personalized insights so you can understand, manage, and decide with confidence.

  1. 01UnderstandSee where your money goes
  2. 02ManageSet budgets and track goals
  3. 03DecideBuild healthier money habits

Step 1

AI-assisted expense tracking

Import from SMS, statements, bank, or cash, and let Wavvy categorize spending as you go.

Step 2

Know where money goes faster

See categories, merchants, and weekly trends in one place.

Step 3

Budgeting for what matters

Set envelopes for rent, transport, and family support before you spend.

Step 4

Interested in learning more?

Short tutorials walk you through Wavvy at your own pace.

Check out tutorials

Latest Blog

Actionable insights to help you spend smarter and save more.

Explore all blog posts

Why Wavvy Wallet Matters

The real problem Financial access is important, but access alone doesn’t give people financial clarity.

Our Mission

Financial Freedom and Inclusion

Wavvy helps people keep lasting control of their money, including those without a traditional bank account.

Real money goals
Inclusive by design
You're in control
Wavvy Wallet Financial Freedom experience on a phone
Your Data, Your Control

Privacy First with On-Device Storage

All your financial data is stored securely on your device. Wavvy Wallet ensures your privacy by eliminating external server storage, keeping your sensitive information safe.

Your data stays with you
No external servers
Offline-first tracking
KES & RWF ready
Wavvy Wallet privacy screen: on-device storage, no external servers, and your data under your control
Making an Impact

Aligned with the UN Sustainable Development Goals

Our mission goes beyond your wallet. Wavvy Wallet supports the UN SDGs through better financial habits, transparency and everyday choices that add up for people and the planet.

Decent work and growth
Responsible consumption
Small steps, big impact
Wavvy Wallet Making an Impact: aligned with UN Sustainable Development Goals

Featured Story

Real stories from creators and businesses growing with Wavvy Wallet.

View All Stories
DJ Ally Fresh
DJ / Producer9th Jan 2026

How Wavvy Wallet Helped Me Track Every Shilling Spent Releasing Swakacha

Releasing an album is creative, emotional and expensive. When I decided to independently release my project Swakacha, I knew the music had to be intentional, but so did the money behind it.

- DJ Ally Fresh, DJ / Producer

  • Tracked every expense in real-time
  • Stuck to budget and avoided debt
  • Released with financial clarity
Read Full Story

What Our Users Say

Real feedback from people building clearer money habits with Wavvy Wallet.

Pricing Plans

Choose the perfect plan to manage your finances smarter.

Secure & PrivateYour data is 100% secure.
Cancel AnytimeNo long-term commitments.
24/7 SupportWe're here to help.

All subscription payments are non-refundable.

Frequently Asked Questions

Everything you need to know about Wavvy Wallet.

About Wavvy Wallet

Wavvy Wallet is an AI-powered expense tracker built for Kenya and Rwanda. It imports your M-PESA and MTN MoMo transactions from SMS and PDF statements, organizes them into smart categories, and shows you clear reports and budgets so you always know where your money is going.

Install the app and allow it to read your M-PESA or MTN MoMo SMS receipts, or import a PDF statement. Wavvy's AI automatically tags each payment (rent, food, transport, airtime, and more) and learns from your edits over time. Your dashboard updates with spending breakdowns, trends, and budget progress in KES or RWF. You can also add bank and cash transactions manually in the same view.

Kenya runs on M-PESA, and Wavvy is built for that reality. It recognizes local paybills, till numbers, and merchant names that generic finance apps often miss. Categories, insights, and budgets are tuned for Kenyan spending habits in Ksh, on your phone, so you spend less time fixing labels and more time making better money decisions.

Yes. Wavvy is now in Rwanda. Track your MTN MoMo spending from SMS and PDF statements, then see it organized into smart categories, reports, and budgets in RWF. It is the same privacy-first expense tracker people use for M-PESA in Kenya, tuned for how money moves on MTN MoMo.

Wavvy works best with the mobile money you already use: M-PESA in Kenya and MTN MoMo in Rwanda. Automatic import comes from those SMS receipts. You can still track bank transfers and cash spending manually, but you'll get the fullest, hands-free experience with M-PESA or MTN MoMo as your primary money tool.

Features & Usage

Open the app and head to Insights from your dashboard. Pick a weekly, monthly, or custom date range to see where your money went, category by category. Pro and Pro Plus plans unlock deeper breakdowns and Cash Flow views that help you spot trends and plan ahead.

You can get started with core tracking features, then upgrade to Pro Plus for full insights, cash flow reports, auto-tagging, budgets, and more. See current prices in our Pricing section. In Kenya, pay monthly or yearly via M-PESA STK Push.

If you've completed payment but your subscription isn't showing yet, log out of the app and log back in. This refreshes your account and syncs the latest payment status. If it still doesn't update after signing back in, email info@wavvy.africa and we'll sort it out.

Security & Privacy

Yes. Wavvy is privacy-first by design: your financial records are stored on your device, not on external servers. We don't sell your data to third parties, and your transaction history stays under your control. Read more in our Privacy Policy.

Getting Started

Wavvy Wallet is free to download on Android and iOS via the Google Play Store and Apple App Store. Once installed, you can start tracking in minutes.

1. Download Wavvy from the Google Play Store or Apple App Store. 2. Sign in and allow M-PESA or MTN MoMo SMS access so your transactions import automatically. 3. Review your dashboard, set a budget, or explore reports. Need a walkthrough? Visit our Tutorials page, or email info@wavvy.africa and we'll help.

Take control of your finances today

Be a good steward of your money. Join thousands who are budgeting better, keeping more, and building lasting financial habits.