Know what's safe to spend today.
Kyeremi brings your MoMo, bank and cash together and tells you how much you can spend today, without running dry before payday.
▶ Watch Kyeremi in 30 secondsSee your number change as you spend.
Log a Bolt ride or lunch and your Safe-to-Spend updates instantly. Overspend one day and Kyeremi spreads it across the days to payday, so you always know where you stand.
A mirror, not a wallet.
Your money stays exactly where it is: in your MoMo, your bank and your pocket. Kyeremi only shows you what you have and helps you decide what to do with it.
Never moves your money
Kyeremi can't send, receive or hold money. It isn't a bank or a MoMo wallet.
Never asks for your PIN
No MoMo PIN, no bank password, ever. If anyone asks in Kyeremi's name, it isn't us.
Your data, your call
We never sell your data. Delete your account and everything with it, any time, from the app.
Set up in a few minutes.
No bank login, no linking. You tell Kyeremi what you have; Kyeremi does the maths every day.
Add your MoMo, bank and cash
Enter what's in each one right now. Two MoMo wallets? Add both.
Tell Kyeremi about payday and bills
Monthly salary, weekly pay or daily sales, plus rent, fees and data bundles you've already promised.
Check one number each day
Log what you spend in seconds. Your Safe-to-Spend updates straight away.
Everything points to one clear answer.
Most expense apps show you where your money went. Kyeremi helps you decide what to do with the money you still have.
Safe-to-Spend, today
What you have, minus bills and savings, spread over the days until payday. Spend less today and tomorrow goes up.
Bills set aside first
Rent, school fees and susu are held back before you see a cedi, so they're never spent by accident.
Goals you can see grow
Save for a laptop, fees or an emergency fund, and watch your progress without moving a pesewa.
Cash in five seconds
Long-press the Kyeremi icon to log a cash expense, or answer the 8 pm check-in. No more forgotten trotro fares.
One tip at a time
Weekly insights that compare like with like, and one clear next step, not a pile of charts.
Works offline
No data? No problem. Everything works on your phone and is kept there first.
Tracking takes seconds. Planning is done for you.
Most budgeting apps make you do the work: categories, spreadsheets, limits. With Kyeremi you log what you spend, and the planning happens on its own.
Log it and move on
- Amount, category, save: about five seconds per expense
- Quick amounts like +₵5 and +₵20 for trotro, food and airtime
- Long-press the Kyeremi icon to log cash without opening the app
- An 8 pm "Any cash spending today?" reminder, so nothing slips
- Pay a bill with one tap when it's done
The planning, every day
- Holds back bills due before payday and money for your goals
- Spreads the rest over the days until money comes in
- Takes each expense straight off today's figure
- Underspend and tomorrow goes up; overspend and it adjusts quietly
- Spots your biggest change each week and suggests one next step
Honest numbers, never inflated.
Safe-to-Spend is exact arithmetic on what you tell Kyeremi. Enter real balances and log what you spend, and the number you see is the number you can actually use.
- Money you're expecting isn't counted until it arrives, so a late salary never makes today look richer than it is.
- Bills and savings are taken out first, so they never show up as spendable.
- A safety buffer keeps an amount you choose permanently out of view.
- Old savings are handled honestly. Money saved before you joined isn't counted twice.
Three habits
- Enter balances as they really are, checked in your MoMo menu (MTN MoMo, Telecel Cash or AT Money) or banking app. Don't round up.
- Log cash the same day. The 8 pm check-in helps.
- If a balance drifts, correct it in Profile. Your history stays as it is.
Private by design.
Your money records live on your phone first, with a private backup that only you can restore.
Stored on your phone
Your accounts, transactions, bills and goals are saved in Kyeremi's private storage on your phone. Other apps can't read it, and it works with no internet at all.
App lock with your fingerprint or face
Turn on App lock and Kyeremi opens only with your phone's own fingerprint, face unlock or passcode. Kyeremi never stores a PIN of its own.
Backup, only what's needed
Lose your phone, not your records. Sign in on a new phone and your accounts, transactions, bills and goals come back, private to your account. Never full account numbers, never your PIN.
Why Android first?
Most phones in Ghana run Android, so starting there means Kyeremi reaches the most people sooner, and we can make it fast on everyday phones, not just flagships.
- Built for real phones: works offline, light on data and storage.
- Automatic MoMo logging is planned for Android: with your permission, Kyeremi will be able to log MoMo and bank transactions from their text messages. iPhone doesn't allow apps to read texts.
- iPhone is planned. Kyeremi is built so the iPhone version can follow, with quick logging, App lock with Face ID, and Sign in with Apple. Join the waitlist to hear when it's ready.
Made for how Ghana gets paid.
Salary at month end, weekly wages or daily sales from the stall: Kyeremi plans around how you actually earn.
- MoMo, bank and cash side by side, in cedis
- Daily earners plan a week at a time, so a good day isn't spent in one go
- Susu, rent and data bundles set aside before payday
- Built for everyday Android phones and patchy data
Ama is cleared to spend GH₵ 200 today. She buys lunch for GH₵ 120, and Kyeremi shows GH₵ 80 left. Tomorrow's figure barely moves, because the rest of the week was already planned.
Questions
Is Kyeremi a bank or a MoMo wallet?
No. Kyeremi never holds, sends or receives money. It's a planning tool: you tell it what you have, and it works out what's safe to spend. Your money stays exactly where it is.
Does Kyeremi connect to my MoMo or bank account?
No, and it will never ask for your PIN. You enter your balances yourself and log what you spend. Kyeremi will never ask for your MoMo PIN or bank password. If anyone claiming to be Kyeremi asks for one, it isn't us.
Is Kyeremi free?
Yes. Kyeremi is free to use. Later, we plan to add optional premium features for people who want extra tools. If we do, we'll tell you first, and you'll never be charged unless you choose to upgrade.
When can I use it?
Early 2027, on Android first. We're testing Kyeremi now and fixing what testers find before we open it up. Join the waitlist and you'll be among the first to get it. We'll email or text you once when it's ready, and never spam you.
On iPhone? Tap iPhone when you join and we'll tell you when that version is ready.
I have an iPhone. Is Kyeremi for me?
Yes. Kyeremi is coming to iPhone too. We're starting on Android because most phones in Ghana run it, and it lets us make Kyeremi fast on everyday phones (more on why).
The iPhone version is planned with everything that matters: Safe-to-Spend, bills, goals, insights, quick cash logging, App lock with Face ID and Sign in with Apple. The one thing iPhone won't have is automatic logging from text messages, because Apple doesn't let apps read them.
Join the waitlist and tap iPhone under "Your phone". The more iPhone users sign up, the sooner it comes, and we'll let you know the moment it's ready.
I don't earn a monthly salary. Will it work for me?
Yes. Tell Kyeremi how your money comes in: daily sales, weekly pay, a monthly salary, or "it varies" for contracts, gigs and remittances. It spreads what you have over the days until your next money arrives.
Will it use a lot of data?
Very little. Kyeremi works offline, so you can check what's safe to spend and log what you spend with no connection. It backs up when you're online, and it's built to run well on everyday phones, not just expensive ones.
Will Kyeremi read my text messages?
Not unless you allow it. Kyeremi doesn't read texts today. Automatic MoMo and bank logging from text messages is planned for Android, and it will only work after you give permission, which you can take back at any time.
What happens to my data?
It stays yours. Your records are kept on your phone and backed up so a new phone can restore them, readable only by you. You can delete your account and everything with it from the app at any time. We never sell your data. Read the privacy policy.
Be first to know your number.
Join the waitlist with your email or phone number, and we'll let you know once when Kyeremi launches. That's it.