Launching soon

See where your money really goes.

Centrail brings your bank accounts, mobile money and savings groups into one clear picture. Upload a statement, decide what's worth tracking, and plan your month with confidence.

Works from the statements you already get
No logins to your accounts
Every currency kept as it is

Transactions

All accounts

october-statement.pdf8 transactions found

Reconciled 0 of 8

01 OctSalary, OctoberSalary account+145,000
02 OctRentSalary account−35,000
03 OctSupermarketMobile money−4,860
05 OctTo savings groupSalary account−10,000
06 OctMatatu and fuelMobile money−1,250
08 OctCash withdrawalMobile money−2,000
09 OctSent to a friendMobile money−500
11 OctElectricity tokensMobile money−2,500

Groceries · October

KES 3,140 left of 8,000

October so far

Money in: 145,000
Money out: 46,110

Transfers between your accounts left out.

The problem

Your balance tells you what's left. Not where it went.

Money moves through several accounts, and every statement is a long PDF in its own format. So most of us check the balance and stop there.

What you check today

Balance

KES 12,430

Where did the rest go?

One number. No story about how it got there.

What Centrail shows you

October

Where it went

Rent35,000
Groceries12,400
Transport6,800
Family support5,000
Eating out3,900
Seen, not tracked2,600

How it works

From a pile of statements to a clear picture.

Three steps, and you only do the first one once a month.

Upload your statements

Add the statements you already get from each account. Spent cash? Add it by hand in seconds.

salary-account.pdf31 found

mobile-money.pdf87 found

+ Add cash spending by hand

Reconcile without the chore

Give each line a category, split it across several, or mark it seen. Nothing gets forced into “Other”.

Cash withdrawal−2,000

08 Oct · Mobile money

CategorySplitSeen, not tracked

Lunch1,200

Fare800

Note: lunch with the team, fare home

See it, then plan it

Reports, budgets and a monthly plan, built from what actually happened to your money.

Saved each month+18%

MayJunJulAugSepOct

Features

Everything about your money, finally in one place.

Every account, one picture

Bank accounts, mobile money and savings groups side by side, each in its own currency and never mashed together.

KES210,550

Salary accountBank84,200
Mobile moneyMobile money6,350
Savings groupSavings group120,000

USD1,240

Dollar accountBank1,240

mobile-money.pdf added

87 transactions, ready to reconcile

Transfers don't count twice

Moving money between your own accounts is tagged once and left out of your totals.

Salary accountOut−10,000

⇄ Transfer

Savings groupIn+10,000

Budgets that keep up

Every line you reconcile updates what's left, straight away.

Groceries3,140 left of 8,000
Transport1,150 left of 4,000
Eating out1,600 left of 2,500

You decide what's worth tracking

Mark a line as seen without a category, and add a note so you remember what it was.

Sent to chama−3,000

Seen, not tracked

Note: my share of this month's contribution

Reports you'll actually read

Spending and income by category over any window. Export to CSV or PDF in a click.

In: 145k
Out: 96k
Net: +49k

CSVPDF

Money Planner

Plan the month before it plans you.

Give every shilling a job before payday, then see the plan and the real numbers side by side.

Lay out income, spending, savings and repayments for the month
See what's left to plan as you go
Look back at past months to see how plans played out

Two people planning finances on paper beside their laptops

November plan

Draft

ExpenseRent35,000
ExpenseGroceries12,000
ExpenseTransport6,000
SavingEmergency fund15,000
LoanLoan repayment8,500

Planned

76,500

Left to plan

68,500

No logins to your accounts

You upload statements. Centrail never asks for your banking or mobile money login.

You choose what's tracked

Categorize what matters and mark the rest as seen. No endless “Other” pile to clear.

Every currency kept as it is

Each transaction stays in its original currency. No silent conversions behind your back.

Launching soon

Know where your money goes. Then decide where it should.

Join the waitlist and be among the first to use Centrail when we open the doors.