Gloodoh BudgetSmart Budgeting and Reconciliation · web, Android, iPhone

Plan the month. Build what outlasts it.

Gloodoh Budget gives every shilling a job with the 50‑30‑20 rule, then helps you save, clear debt and watch your net worth grow. Encrypted so only you can read it.

budget.gloodoh.comOpen the web app Coming soonGoogle Play Coming soonApp Store

Shikanisha Doh. Screens show sample data.

Gloodoh Budget on three phones: the month at a glance, the 50-30-20 check and the debt-free date.

What you get

Snap a receipt, done

Point your camera at a till slip. Gloodoh Budget reads the shop, the total and the date, and files it on the right budget line for you.

Yours alone, encrypted

Your budget is locked on your phone with a passphrase only you know. Not even we can open it.

Reminders you can act on

Bills, loan repayments and paydays arrive on time. Snooze one, or log the payment straight from the notification.

A plan that builds your legacy

Give every shilling a job with the 50‑30‑20 rule, then grow sinking funds, clear debts and watch your net worth rise.

Plan the month, then check it against what really happened

  1. Sign in

    With Google or Apple. Your Gloodoh Budget account is its own, separate from any Gloodoh shopping account.

  2. Lock your vault

    Choose a passphrase and keep your recovery key somewhere safe. They are the only keys to your data, so nobody can reset them for you.

  3. Plan the month

    Split your income into needs, wants and savings, set aside money for what is coming, and plan your debts away.

  4. Check it against reality

    Import a statement file (it is read on your device and never uploaded), match each line, and close the month with a short review.

Know what's left. Every day.

Open the app and see what's left to spend this month, what that means per day, and whether you're ahead of your plan or behind it.

Home screen: Ksh 123,200 left to spend in October, about Ksh 7,700 a day, 57% of the plan used. Home screen in dark mode: Ksh 123,200 left to spend in October, about Ksh 7,700 a day. Spending pace: this month's spending against the plan, day by day.

Give every shilling a job.

Enter what comes in and what you plan to spend. Gloodoh Budget totals it and checks your month against the 50‑30‑20 rule: needs, savings and debt, and wants.

  1. Add your income.
  2. Plan each budget line.
  3. Watch the three bars.
The 50-30-20 check: needs 62%, savings and debt 26%, wants 8%. The 50-30-20 check in dark mode: needs 62%, savings and debt 26%, wants 8%.

Spent something? Log it in five seconds.

Tap +, enter the amount, pick the budget line, done. On your phone, snap the receipt instead and let the app read it.

Adding Ksh 2,450 at Naivas Kilimani to Food & House Shopping.

Import a statement. You decide what goes in.

Drop in a CSV from M‑Pesa or your bank. Every row is shown first: choose its budget line, untick what doesn't belong, then import. Likely duplicates are left out. The file is read on your device and never uploaded.

  1. Choose the file.
  2. Review each row.
  3. Import.
Importing a statement: three rows from Naivas, Shell and Glovo, each with a budget line, ready to import.

Match it to your statement, then close the month.

Tick off what shows on your bank or M‑Pesa statement until the balance matches. See which lines went over, and carry one commitment into next month.

Reconcile: opening balance, 69 of 84 transactions ticked off. Plan versus reality: which budget lines went over, before closing the month.

School fees in January won't surprise you again.

List what you're saving for and by when. The app works out the monthly amount and shows whether your sinking funds are on schedule.

Goals: Ksh 179,000 budgeted, Ksh 14,917 a month, Ksh 81,000 saved so far.

See the day you'll be debt‑free.

Put every loan in one place. Record repayments as you make them, and the snowball plan shows your debt‑free date.

Debt freedom: Ksh 2,833,450 owed, debt-free in October 2029. Debt freedom in dark mode: Ksh 2,833,450 owed, debt-free in October 2029.

One number for your financial health.

What you own minus what you owe. Update it every few months and watch your legacy grow.

Net worth: assets Ksh 2,750,000, liabilities Ksh 1,900,000, net worth Ksh 850,000.

Reminders you can act on

Bills, repayments and lines running over arrive on time, and you can act from the reminder itself.

Reminders: upcoming bills and loan repayments, each with an action.

The whole year, side by side

Every month of the year side by side, so seasonal costs show up early.

Annual tracker: each month's plan and spending, side by side.

Shop with the budget in mind.

Plan the shop before you go, tick items into the basket, and see whether it fits this month's food budget.

Shopping list: items ticked into the basket against the food budget.

Your budget is yours alone.

Encrypted before it's stored

Your budget is sealed with AES‑256‑GCM, using a key only your passphrase or your recovery key can unlock.

Sign-in is separate from decryption

Google or Apple confirms who you are. They never see or unlock your data.

Servers hold scrambled data only

We store ciphertext and timing, never your amounts, names or notes.

Locks itself

After a while without activity, the key is wiped from memory.

Read the privacy policy ↗

If you lose both your passphrase and your recovery key, nobody can get your data back. Not even us.

How your data is protected: encryption, sign-in and auto-lock, explained in the app.
Coming soon

Payments from Gloodoh and HereMe file themselves.

Link your Gloodoh or HereMe account once. Your payments arrive in Gloodoh Budget sealed, so only your unlocked app can read them. Anything that needs a decision waits in To review.

  1. Optional: nothing is sent until you link, and you can unlink any time.
  2. You confirm it with a pairing code only your Gloodoh Budget shows.

On your phone, in your browser, in light or dark.

Gloodoh Budget in a web browser and on a phone, showing the same month.
The same home screen in light mode and in dark mode.

Building an app?

Gloodoh Budget Connect is open to other apps: a documented, end-to-end encrypted API that lets your app send a person's payments into their budget, with their consent.

Read the developer docs ↗

Works with the other Gloodoh apps

Gloodoh Consumer

Where you shop. See live stock, reserve and pay; link it and your payments arrive here by themselves.

How it works →

Gloodoh Supplier

The app shops run on. Nothing about your budget ever reaches the shop.

How it works →

Questions, answered

Where can I use Gloodoh Budget?

In your browser: open the web app at budget.gloodoh.com. Gloodoh Budget is coming soon to Google Play and the App Store.

Do I need a Gloodoh shopping account?

No. You sign in with Google or Apple, and your Gloodoh Budget account is its own, separate from any Gloodoh shopping account.

Who can read my budget?

Only you. Your budget is sealed with AES‑256‑GCM, using a key only your passphrase or your recovery key can unlock. Our servers store ciphertext and timing, never your amounts, names or notes. Google or Apple confirms who you are, but they never see or unlock your data.

What if I forget my passphrase?

Unlock with your recovery key, the one you keep somewhere safe when you lock your vault. Your passphrase and your recovery key are the only keys to your data, so nobody can reset them for you. If you lose both, nobody can get your data back. Not even us.

What is the 50‑30‑20 check?

Gloodoh Budget splits your month into three buckets: needs, savings and debt, and wants. Enter what comes in and what you plan to spend, and the app totals it and shows, as three bars, how your month measures up against the 50‑30‑20 rule.

Can I bring in my M‑Pesa or bank statement?

Yes. Drop in a CSV from M‑Pesa or your bank. Every row is shown first: choose its budget line, untick what doesn't belong, then import. Likely duplicates are left out, and the file is read on your device and never uploaded.

If I shop with Gloodoh, can the shop see my budget?

No. Nothing about your budget ever reaches the shop, and your Gloodoh Budget account is separate from any Gloodoh shopping account.

How will payments from Gloodoh and HereMe reach my budget?

This is coming soon, and it is optional: nothing is sent until you link your Gloodoh or HereMe account, and you can unlink any time. You confirm the link with a pairing code only your Gloodoh Budget shows. Payments then arrive sealed, so only your unlocked app can read them, and anything that needs a decision waits in To review.

Questions? Write to budget@gloodoh.com

Start this month's plan today.

budget.gloodoh.comOpen the web app Coming soonGoogle Play Coming soonApp Store

Shikanisha Doh.