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Pesa Notes
Personal finance

Know what you have.
Know what you can spend.

Home shows You have: your Safe to spend. Bills stay in Upcoming and are not taken off that number. Income is take-home (what arrived). Transfers are not spending. Sign in, pick a country, add accounts or skip and add them later.

GET IT ONGoogle PlaySee the product

Android. Offline after setup. Email or Google sign-in is required. Free-tier ads are a banner on Home, Activity, Plans, or Insights, never on save, +, or You have.

On your phone

The ledger is SQLite on the device. Day-to-day money works without internet.

Any country

195 countries, locale money formatting. Currency is set once at setup.

Safe to spend

You have is Safe to spend: accounts you use for everyday money. Turn it off for savings you will not spend. Bills stay under Upcoming and are not subtracted. Spending cannot overdraw; you can pay from another account or turn Safe to spend on where there is enough.

Optional lock

6-digit PIN or password, plus fingerprint. Reminders stay on-device.

Product

Personal finance, on your phone

Home, Activity, Calendar, Plans, Insights, and +. One person, your accounts. Setup is sign-in, country, then accounts. Transfers are not spending. Income is take-home.

What you have today
Home opens on You have (Safe to spend). Tap it for those accounts. This month’s take-home and spent sit under that. Upcoming is bills and income you already set, not a subtraction from You have.
Add in about five seconds
The + button opens amount, category, then save. Income, expense, or transfer. Date defaults to now. Note and recurrence stay collapsed until you open them. The first save is never behind an ad.
Cash, bank, mobile money, card
One person, several accounts. Safe to spend is on by default. Country presets are labels on those types (for example M-Pesa or MTN), not a shop profile. Archive an account that has history; deleting it is blocked so the ledger is not wiped. Empty unused accounts can be deleted.
Plans, calendar, insights
Free includes up to three budgets, recurrences, goals, and debts; Activity and calendar days for this month; and this month’s take-home, spent, category mix, and daily spending. Premium adds past months, remaining after spent and goals, savings rate, weekday mix, calendar amounts still due, and After debts. Copy stays factual. Remaining is not You have.
Local-first
SQLite on the device. Sign-in is required before country and accounts. Drive backup is optional, encrypted on the device, and not live sync.
Lock it
Optional 6-digit PIN or password, plus fingerprint. If you forget the PIN, confirm your Google or email sign-in to turn lock off, then set a new one. Notifications you turn on: daily check-in, weekly review, upcoming money, Premium alerts, backup finished. Asked after setup, on Home.

Getting started

Sign in, country, accounts, then Home

  1. 1

    Sign in

    Email or Google. Email sign-in must be verified. Language follows the phone. If an encrypted Drive backup exists for this account, restore it or skip and start empty.

  2. 2

    Country, then accounts

    Country sets currency once; you cannot change it later. A restore reloads it from the backup. Add cash, bank, mobile money, or a card with opening balances, or skip and add them later from Home. Name and photo come from Google or email; edit them later in Settings.

  3. 3

    Home and +

    You land on Home. You have is Safe to spend. Upcoming bills stay in a list and are not subtracted. Use + to add income, expense, or transfer in a few seconds. Transfers are not spending. If an account is short, pay from another or turn Safe to spend on where there is enough.

Pricing

Free to track. Premium to plan ahead.

Prices and currency are shown in Play at checkout. Premium is monthly on Google Play, and 4-month if Play lists it. Eligible first-time accounts get a 3-day trial from Play. Plans renew until you cancel in Google Play. There is no first-install Premium window in the app.

Free

Watch-to-continue ad on Home, Activity, Plans, or Insights after the app has already drawn, never on save, +, or You have.

  • Income, expenses, transfers
  • Multiple accounts and You have
  • This month’s take-home, spent, category mix, daily spending, recorded calendar days
  • Up to three budgets, recurrences, goals, and debts
  • On-device storage and encrypted Drive backup
Premium

Monthly on Google Play, and 4-month if listed at checkout. First-time eligible accounts get a 3-day trial from Play.

  • Everything in Free
  • Full Activity history, every month
  • Unlimited budgets, recurrences, goals, and debts
  • Calendar projection of upcoming days
  • Past months, remaining, savings rate, weekday mix, still due, After debts on Insights
  • No ads
GET IT ONGoogle Play

FAQ

Quick answers

Sign in with email or Google (email sign-in must be verified). Language follows the phone if we ship that translation, otherwise English. If an encrypted Drive backup exists for this account, you can restore it or skip. Then you pick a country, which sets currency once. Then you add accounts, or skip and add them later from Home. Display name and photo come from Google or email; you change them later in Settings, not during setup. You land on Home and add money with +.

Start with what you have today

Free on Google Play. Sign in, set country and accounts, then record on the phone. Upgrade in-app when you want full history, unlimited Plans items, calendar projection, deeper Insights, and no ads.

GET IT ONGoogle Play