Mshahara Planner

Plan. Save. Smile.

Live Within Your Salary,
Not Beyond It

Type your monthly salary (numbers only), then tap Calculate to see your budget plan.

Needs 60% • Wants 20% • Savings 20%

💡 Living Within Your Means

  • 🏠 Rent Smart: aim ≤ 30% of salary
  • 🍲 Needs First: food, transport, utilities
  • 🎉 Limit Wants: keep them to 20% total
  • 💰 Save Consistently: build an emergency cushion
  • 📚 Personal Growth: invest in skills & opportunities

Your Budget Plan

Monthly Income
KSh 0
Kenya-specific 60/20/20 split.
Rent & Housing (28%)
KSh 0
Food & Groceries (14%)
KSh 0
Transport (6%)
KSh 0
Utilities (Power/Water) (4%)
KSh 0
Data & Airtime (2%)
KSh 0
School Fees (6%)
KSh 0
Entertainment (5%)
KSh 0
Eating Out (2%)
KSh 0
Personal/Other (13%)
KSh 0
Emergency Savings (10%)
KSh 0
Personal Growth Fund (10%)
KSh 0
Emergency Fund target (3 months of Needs): KSh 0
Built with ❤️ by Tujulishane
All calculations run in your browser — nothing is saved or sent.
Mshahara Planner provides general budgeting information for educational purposes only. It is not financial advice. Please adapt the plan to your personal situation.

SupaMarket Basket

Budget your monthly shopping with ease. Enter your family size to get a suggested basket of essentials, scaled for your household.

Adults:
Kids:

Tap Generate List to see monthly quantities.

Item
Suggested Qty
Notes
🛒 Heads-up
These are rough monthly suggestions.
Needs vary by appetite, age, diet, region, and cooking habits.
Smart Savings Tips
Built with ❤️ by Tujulishane
Runs entirely in your browser — nothing is saved or sent.

Budget Mkononi: Your Free Personal Finance and Salary Planner

Mshahara Planner: Plan. Save. Smile.

Managing your finances doesn't need to be complicated. Whether you are planning your monthly salary or setting aside savings, Mshahara Planner is designed to give you complete control over your money. This free financial utility helps you map out exactly where every shilling is going. By automatically categorizing your income into Needs (60%), Wants (20%), and Savings (20%), you can build a sustainable financial safety net without needing complex spreadsheets.

How to Use the Mshahara Planner Tool

Using this salary planner is fast and straightforward. Follow these steps to take control of your monthly finances:

• Input Your Salary: Type your monthly salary (numbers only) into the input field.

• Calculate: Tap the Calculate button to instantly see your budget breakdown.

• Clear and Reset: Use the Clear button if you need to start over or enter a different amount.

• Follow the 60/20/20 Rule: The tool automatically allocates your funds:

• Needs (60%): For non-negotiable bills like rent and utilities.

• Wants (20%): For disposable income and entertainment.

• Savings (20%): For your future goals and emergency funds.

Built for Speed and Complete Privacy

As a professional-built platform, we prioritize your data security. Mshahara Planner runs entirely within your web browser. This means your private financial numbers and salary details are never sent to a database or stored on our servers. You get instant calculations with absolute peace of mind.

Frequently Asked Questions (FAQ)

Does this work on mobile phones?

Absolutely. The tool is fully responsive and optimized for mobile browsers so you can plan your finances on the go.

Is this tool completely free to use?

Yes, Mshahara Planner is 100% free with no hidden subscriptions.

Can I save my budget for next month?

Because we prioritize your privacy by not storing data on our servers, we recommend taking a screenshot of your calculated results for your records.