save-and-invest
Income tracking
Salary, business receipts, refunds, and transfers-in — detected from SMS, categorised, and surfaced alongside your spend.
What it does
- Detect income from M-PESA SMS (salary, business, funds received, peer receive, M-Shwari→M-PESA, agent deposit, Offnet B2C)
- Detect bank credits from NCBA SMS
- Categorise income by source (Salary, Business, Refund, Interest, Family, Transfer in, Other)
- Learn sender→source mappings so future income from the same sender auto-categorises
- Show a savings-rate card (received vs spent) on Analytics
- Show an Income vs Spend 12-month overlay chart
What it doesn't do
- Count bank→M-PESA self-transfers as new income (auto-excluded, visible for audit)
- Treat all UNCATEGORIZED credits as income before you review them
- Push high-priority notifications for income — the "new income" prompt uses a low-importance channel
Why income matters
Every principle-4 saving/investment framing needs an income number to be honest. Without income, “you could have saved X” is a stat about your spending — useful, but not a savings rate. With income, the Savings Rate insight card can tell you what fraction of what came in stayed in.