Income
Expenses
Actuals
Financials
Tools
Portfolio
Projections
Charts
Rates
Analysis
Biz Value
Sales Quote
Sales Plan
Route Plan
Revenue
Resources
Coach
Xperience
Profile
Team
Security
M-Run
Info
Admin
Coach
Referrals
Circle
Community
Points
Rewards
Partners
Customer Details
Client Name
Building Name *
Solution *
Water Sources
Adjust your source percentages before calculating.
Recommended Tariff
Target Profit Margin %
%
Min. Recommended Tariff per m³ Output
— awaiting water source mix
To avoid Landlord going back to their pocket
Your Setup
Number of Tenants auto-set from DN15+DN20+DN25
Avg Consumption / Tenant m³/month
m³
Current Tariff
Current Water Tariff KES / m³
KES
Current tariff required to calculate the full scenario.
Not sure what to enter? Use an estimate. e.g. if tenants pay a flat rate per month, divide that by their average monthly usage. You can adjust it later.
Not sure what to enter? Use an estimate. e.g. if tenants pay a flat rate per month, divide that by their average monthly usage. You can adjust it later.
What are you selling?
Quick-add a common item:
Select a revenue line above to tag your products
Download Sales Quote / SLA
⚠ You are selling one or more items below cost. Fix your selling prices before generating a quote.
Financing Parameters
Deposit %
%
Interest rate % p.a.
%
Download Sales Quote / SLA
No history yet
Completed scenarios and orders will appear here.
My Sales
Pipeline · Quotes · Routes · Revenue · Resources
Quote
Plan
Plan
USE SUB-TABS ABOVE FOR FULL ACCESS
My Investments
Portfolio · Projections · Charts · Rates · Biz Value
Value
USE SUB-TABS ABOVE FOR FULL ACCESS
Settings
Coach · Experience · Profile · Team · Password · More
Coach
USE SUB-TABS ABOVE FOR FULL ACCESS
My Budget
Income · Expenses · Actuals · Financials · Tools
USE SUB-TABS ABOVE FOR FULL ACCESS
🚀
My Growth
Referrals · Partners · Community · Points
📘
Coach
🎁
Referrals
💞
Circle
💬
Community
⭐
Points
🎁
Rewards
🤝
Partners
📘
Your 90-Day Coaching Journey
A short nudge every few days, built to build the habit
USE SUB-TABS ABOVE FOR FULL ACCESS
👑 Premium Community
Kibeti Wealth Circle
Real people. Real numbers. Real accountability. A small group of Kibeti members who meet virtually with a human coach every two weeks.
12
Max per group
2 wks
Session cadence
45 min
Per session
◆ Wealth Circle add-on
KES 1,400
/month on top of Growth Plan
Growth Plan (KES 599) + Wealth Circle (KES 1,400) = KES 1,999/month total — everything Kibeti has, plus a human coach every fortnight.
🌙 Evening cohort
Sunday
7:30 PM EAT
☀️ Morning cohort
Thursday
11:00 AM EAT
What happens in each session
📊
Numbers review (10 min)
Each member shares one number from their Kibeti dashboard that moved since last session. No hiding, no guessing.
🎯
Hot seat (20 min)
One or two members bring a real decision: a deal to close, a budget gap, an investment choice. The group works it with you. The coach facilitates.
🔑
One insight (10 min)
The coach shares one framework or Kenyan market insight that applies to what the group is working on right now.
✅
Commitments (5 min)
Everyone names one action before the next session. The group holds each other to it.
⚠️
The Circle has one rule
Spots are capped at 20 members. If you miss two consecutive sessions without notice, your spot is released to someone on the waitlist.
This is not a penalty. It is respect for the people who show up, and for the ones waiting to get in.
This is not a penalty. It is respect for the people who show up, and for the ones waiting to get in.
Who facilitates the sessions
👨🏽
Founding coach + rotating experts
Real financial coaches who understand the Kenyan market. Not AI. Not scripts. People who know your numbers.
Sessions run virtually · Link shared in the WhatsApp group 24 hrs before each session
◆ Choose your fortnightly cohort
🌙 Sunday evening
7:30 PM EAT · every other Sunday
Best for: entrepreneurs, business owners, busy weekdays
☀️ Thursday morning
11:00 AM EAT · every other Thursday
Best for: employed professionals, flexible schedules
Join the WhatsApp group, set your time, and get the link, agenda and reminders automatically.
What members say
"I didn't realise how much I needed to hear someone else's story until the second session. It changed how I looked at my own numbers."
— Wanjiku, Nairobi · Entrepreneur
"The hot seat made me realise I was underpricing my services by 30%. That conversation paid for a year of Kibeti."
— James, Eldoret · Sales Manager
KES 1,999/month total (Growth + Circle) · 20 spots per cohort · Waitlist managed in WhatsApp
🎁
Invite someone you know
Share your code, they get a free month of the Growth Plan, and you earn 20% revenue share every month, for as long as they stay active. That's 20% revenue share for life.
Your referral code
KIBETI-XXXX
0
Invited
0
Earning you 20%
🤍
Got a code from a friend?
Enter it below — your free month unlocks instantly, and they'll always know it was them who brought you in.
💚
Your People — for life
Everyone who ever uses your code lands on this list — and stays on it, for as long as they're with Kibeti.
👑
Kibeti Wealth Circle
Fortnightly sessions with a human coach. Sun 7:30 PM or Thu 11 AM. KES 1,400/month add-on.
🤝
Kibeti Partner Program
For SACCOs, Cooperatives and Mobile Money Agents, empower your members, grow your brand, and earn a transparent revenue share every month.
How it works
1
Get your partner code, issued the same day, no paperwork
2
Share it with your members or customers, your way
3
Get paid automatically via M-Pesa, every month, for as long as they stay subscribed
No fees to join · No minimum referrals · Cancel anytime
Loading community…
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◆ Sales & Marketing
Resources
Brochures, decks, case studies & tech sheets, ready to share with clients.
12
Placeholders
5
Categories
Replace
with your files
These are placeholder documents
Replace these placeholder cards with your actual files, PDFs, decks, case studies, guides. Your developer or admin can update the
RES array in the app code.Visit outcome for
—
How will you close this deal? *
Where will you meet? *
Platform used
How did the visit go? *
🏆 Deal Details submitted for Finance approval
Deal value (KES) *
KES
Product / Solution
Marked valid by default. Finance will verify in Odoo weekly and can reject any deal that does not check out.
Update pipeline stage (optional)
Visit notes (optional)
Next steps *
Next action date * — updates your sales plan
Visit Details
Trip Date *
Route Notes
Select Client from Sales Plan
0
No pipeline clients yet. Add them in Sales Plan first.
Visit Start *
Visit End *
⚠ End time must be after start time
Route Notes *
Required, think about how this visit contributes to exceeding your targets
My Route
Your stops and their current status
Route Map
No Active Trip
Plan your stops in Plan Visit,
then tap Start Trip to begin.
then tap Start Trip to begin.
Active Trip
—
Progress
0 / 0 visited
My Client Pipeline
Clients you intend to pitch
New Client
Client Name *
Opportunity & Estimated Value *
KES
KES
KES
KES
Total Pipeline
KES 0
Planned Pitch Date
Notes
From
To
Overall Pipeline
—
Total pipeline value
By Opportunity
Every pipeline starts with one name.
Tap Add Client to add yours.
Tap Add Client to add yours.
📦 Archived Clients
Tap Restore to move back to active pipeline
No archived clients
Sales Plan Preview
My Sales Plan
Sprint Targets
Targets set by your manager
↑ Course
correction ↑ Keep
going ↑ You made
it! ↑ Smashed
it!
correction ↑ Keep
going ↑ You made
it! ↑ Smashed
it!
Revenue line 1
—
Revenue line 2
—
Revenue line 3
—
Revenue line 4
—
Revenue line 5
—
Revenue line 6
—
Revenue line 7
—
Revenue line 8
—
Revenue line 9
—
Revenue line 10
—
⏳ Pending Approval
0
No pending deals
🏆 Approved Wins
0
No approved deals yet
Performance Insight
Targets are set by your manager. Actuals update when visits are completed and deals are approved.
Route Activity Summary
Loading…
◆ Target vs Actual
How are you tracking?
Daily Reasons Check-in
Select at least 2 reasons that affected today's performance. Over time this reveals your patterns, and where to focus.
Today's check-in
0 selected
Any notes for today? (optional)
Check-in saved for today.
Top Patterns — last 30 days
Complete at least 3 daily check-ins to see your patterns.
Check-in History
Your Actual Commission
Set by manager
Approved Revenue · Estimated Gross Pay
KES —
Basic
—
Commission
—
Rate
—
Tier
—
Based on manager-approved deals only. Contact your manager to update.
Plan B. Enhanced Rates
Active for your account
Sales Target Tier
Plan B Estimated Gross Pay
KES —
Basic
—
Commission
—
Rate
—
Revenue used for Plan B calculation
—
Only approved revenue matching Plan B opportunities is included
Plan B Commission Bands
| Revenue Band | Rate | Gross Pay |
|---|
Plan B is not currently active for your account
Your manager can enable enhanced commission rates for eligible opportunities
What-If Scenario
See what you'd earn at different revenue levels
Scenario Plan
Target Tier
If I achieve (KES)
Enter a revenue amount to see your projection
Projected Gross Pay
KES —
Basic
—
Commission
—
Rate
—
Team Activity. Live
Active Reps
Select Days to Analyse
From
To
Select a date range above to view the route analysis.
Plan B. Enhanced Commission
Enable enhanced rates for selected reps & opportunities
Active Period
From
To
Apply to Sales People
Apply to Opportunities
✓ Plan B configuration saved
Current Plan B Configuration
Archived Pipeline Clients
Clients Test Account has archived. no longer actively pursuing.
No archived clients
Set Rep Targets
Select Sales Rep
Period
Revenue line 1 (KES)
Revenue line 2 (KES)
Revenue line 3 (KES)
Revenue line 4 (KES)
Revenue line 5 (KES)
Revenue line 6 (KES)
Revenue line 7 (KES)
Revenue line 8 (KES)
Revenue line 9 (KES)
Revenue line 10 (KES)
✓ Targets saved successfully
Team Targets Overview
Loading…
Current Targets
Pending Deal Approvals
No pending approvals
Team Route Plans: Route plans submitted by your sales team. Each rep's planned stops, timing and objectives at a glance.
Loading team route plans…
Set Rep Targets
Period
Revenue line 1 (KES)
Revenue line 2 (KES)
Revenue line 3 (KES)
Revenue line 4 (KES)
Revenue line 5 (KES)
Revenue line 6 (KES)
Revenue line 7 (KES)
Revenue line 8 (KES)
Revenue line 9 (KES)
Revenue line 10 (KES)
✓ Targets saved successfully
Current Targets
Pending Deal Approvals
No pending approvals
Plan B. Enhanced Commission
Enable enhanced rates for selected reps & opportunities
Active Period
From
To
Apply to Sales People
Apply to Opportunities
✓ Plan B configuration saved
Current Plan B Configuration
◆ Monthly Overheads
Business Expenses
Most people avoid looking closely at this — but clarity here is where control begins. Understanding your overheads is the foundation of profitable pricing.
Total monthly expenses
KES 0
💸 Expense Budget
Income vs Expenses
Business Income vs Expenses
Household snapshot
Owner's draw available
KES 0
Household spend
KES 0
Give every shilling a job
Revenue
KES 0
Allocated
KES 0
Unallocated
KES 0
This month's expense coverage
Sales revenue vs monthly overheads
Not covered
KES 0 covered
0% of target
Monthly Target
KES 0
Covered
KES 0
Remaining
KES 0
🎉
Expenses covered!
Your sales have covered this month's costs. Excess funds can now grow. Add them to your investment portfolio.
Revenue vs Expenses
Total Revenue (Sales tab)
KES —
Total Expenses
KES —
Net Profit / (Loss)
KES —
◆ Never Miss A Due Date
Bills & Renewals
Forgetting a due date is often worse than the bill itself. Track them here and let Kibeti remember for you.
◆ Smart Budget Builder
Auto Budget
Budgeting alone can feel like guesswork. Enter your income and age group, and we'll do the maths — KRA deductions included — so you start from a plan built for you, not a generic rule of thumb.
Income type
Self-employed income skips PAYE, but NSSF (voluntary) and SHIF still apply. Enter net monthly profit, and we'll estimate both and allocate the rest.
Gross monthly income (KES)
Age group
Taxes & levies
Gross pay-
PAYE
KRA bands — personal relief KES 2,400/mo
NSSF
Tier I KES 420 + Tier II 6% of pensionable
SHIF
2.75% of gross (replaced NHIF Oct 2024)
Affordable Housing Levy
1.5% of gross
Total deductions-
Take-home pay
-
Recommended budget (% of take-home)
Fills your personal expense budget with recommended KES amounts. You can adjust any figure afterwards. Existing amounts will be overwritten.
◆ What is Actuals?
This is what you actually spend
Your Budget is your plan — the amounts you intend to spend each month. Actuals is reality — every shilling that actually leaves or enters your account, day by day. It can be uncomfortable to look at honestly. it's also the only place real change starts.
📚
Import bank statement
📱
Paste M-Pesa SMS
⚡
Quick-log on the spot
Once logged, your actuals are compared against your budget automatically — you will see exactly where you are over, under, or on track.
📄
Import Bank Statement
Upload your PDF bank statement. Review every transaction before anything is updated in the app.
⚡
Quick Log
Just spent or received something? Log it in ten seconds, no waiting on a statement or SMS.
📱
Import from SMS
We can't read your SMS inbox directly. Copy and paste your M-Pesa or bank messages here, as many at once as you like.
⚙️
Reading your statement…
This may take a moment
Statement Summary
TOTAL IN
KES 0
TOTAL OUT
KES 0
NET POSITION
KES 0
TRANSACTIONS
0
This Period at a Glance
Budget
KES 0
Actual
KES 0
Variance
KES 0
Actuals updated: Not updated yet
—
Building your picture…
Set a budget and log a few actuals to see this come alive.
◆ Today's Focus
Budget vs Actual, by category
Income Budget vs Actual. Business
Variance analysis
What you planned to receive in each category against what you actually received, green means you hit or beat it, red means you fell short.
| Category | Budget | Actual | Variance |
|---|
Budget vs Actual. Business
Variance analysis
This shows what you planned to spend in each category against what you actually spent, green means you're under, red means over.
| Category | Budget | Actual | Variance |
|---|
More details, trend, transactions & cash flow calendar
▾
📊 This Month vs Last
Transactions
📅 Cash Flow Calendar
✅ Review complete?
Check that all categories are correctly assigned above. You can change any category before confirming. Your budget numbers stay exactly as you set them. This just records what actually happened, so the Budget vs Actual comparison reflects it.
◆ What You Plan to Receive
Income Budget
Income is what makes everything else possible. Set what you expect from salary, sales, side income — anything — and watch reality catch up to the plan under Actuals.
💰 Income Budget
Income vs Expenses
Kibeti
Revenue Tracker
IoT Sales Executives
Team Targets
This Month
Rep
Target
Actual
%
Loading…
Team Total
—
—
—
Loading revenue report…
Targets set by manager · Actuals from approved deals only
⚡ Break-even Calculator
How many sales do you need to cover your costs each month?
Which revenue line is this for?
Monthly fixed costs (KES)
📊 From your Monthly Expenses tracker, edit if this changes
Selling price per unit (KES)
📊 Average selling price from this revenue line's products
Cost per unit (KES)
📊 Average cost (unit + install) from this revenue line's products
You need to sell at least
units per month to break even
⚠ Selling price is below cost, you lose money on every sale.
This revenue line has no products yet. Add some in Sales Quote, or enter prices manually below.
3-Month Cash Flow Forecast
Expected money in vs money out
Supplier & Payables
Bills & supplier invoices due
Nothing owed yet, that's a good place to be. Add a bill whenever one comes in and we'll keep watch for you.
Staff Costs
Monthly staff costs summary
No staff added. Tap + Add Staff to record their costs.
📱 M-Pesa Business Tracker
Till / Paybill · Expected vs Received
Expected collections this month (KES)
Actual received so far (KES)
M-Pesa charges deducted (KES)
Net Received
Gap
Recent transactions
No transactions logged yet, add your first one whenever you're ready.
JM
Test Account
Kibeti
Active
🎁
Invite & earn 20% for life
Your referral code lives in the Growth tab
Preferences
🏃
Money Run Mode
Earn points for real financial actions
Sales Team
Tap to manage users
Edit each rep's display name. Passwords stay the same, only how they appear in the app changes.
New Team Member
Full Name
Password (they'll use this to log in)
Role
Change Password
Current Password
New Password
Confirm New Password
💡 Password is stored on this device. The default password is MBL.
Log Out
Ends your session on this device. You'll need to log in again with your email and password next time.
App Info
ApplicationKibeti
Version1.0 · May 2026
Websitewww.mwalimubiashara.com/kibeti
Support+254 746 380 606
Loading users…
Investor Profile
Your age range
Just this once, to tailor advice to you. No forms, and you can change it anytime.
Your investor profile
◆ Record an investment
Add to Existing Portfolio
🌱 New to investing? Start here.
You don't need a lot to begin. Most people start with one of these two, easy to understand and easy to get into.
—
Amount invested (KES) *
KES
What is this?
Custom label e.g. "Thika Rd property", "Startup A", "KCB shares"
Expected return p.a. (%)
%
The pre-filled rate is the market average for this investment type in Kenya. If you know the actual rate your specific provider pays you, for example, your SACCO's last dividend or your money market fund's current rate. change it here for a more accurate picture.
Your notes Location, provider, details…
References & Data Sources
Existing Portfolio. record investments you currently hold. These are your real, live assets.
Existing Portfolio Summary
Allocation Mix
Add investments to see your allocation mix
My Holdings
This plan started from your existing portfolio. Edit amounts, add or remove holdings to model where you want to go.
🌱
No existing investments recorded
Use the form above to add your current holdings
Annual & Monthly Return Breakdown
Expected monthly returns by asset
Existing vs Planned Comparison
🔍
You've recorded your investments. Now let's see how they measure up against what's right for someone at your stage of life.
How does your portfolio look?
Takes a moment · nothing leaves your device
Portfolio Rebalance Matrix
vs your age profile
Your Recommended Planned Portfolio
based on your full risk profile
📋 Clear the blur — 4 quick questions
Right now this is a guess based on your age. Answer honestly, and it'll sharpen into a plan built around how you actually think about risk.
📝 Notes & Next Steps
Jot down what needs to happen next, set a due date and Kibeti will remind you before it's due. These appear under Next Steps in your downloaded Portfolio Report.
Add a Note / Action Point
💡 Start from a sample (optional)
Pick one as a starting point, then edit it below to fit your own goal — or choose "Other" to write your own from scratch. You can add as many notes as you like, one at a time; each only appears in your PDF once you tap Add Note.
🔔 Remind me
◆ Your Kibeti Coach
The plan is free.
The path is personal.
The path is personal.
Feeling behind is real, but it is not a verdict, just where you are today.
The maths below is free; anyone can Google it. What you cannot Google is someone who builds a plan around your actual income, debts, goals and fears, and stays with you when the excitement wears off and life gets complicated.
The maths below is free; anyone can Google it. What you cannot Google is someone who builds a plan around your actual income, debts, goals and fears, and stays with you when the excitement wears off and life gets complicated.
👂
Listens
to you
to you
🗺️
Custom
blueprint
blueprint
🤝
Walks the
path with you
path with you
Full Pricing. no surprises
Growth Plan
Investment analysis · Projections · Valuation
KES 599/mo
No setup fee
✓ Sales & expenses free forever
✓ Portfolio analysis
✓ Business valuation
✓ Cancel anytime
+ Full Set Up, assisted by video
Watch a step-by-step video at your own time and set everything up yourself
KES 3,999
one-time
+ Full Set Up. In Person ☕
One-on-one with a human coach, real conversation, real questions answered, coffee's on us
KES 6,999
one-time
+ Optional: 1-on-1 coaching
2 sessions. 1 physical and 1 virtual
KES 9,999
2 sessions
First conversation is free · No commitment
Portfolio Growth Settings
Monthly top-up (KES)
KES
Portfolio Totals
Each Investment in 10 Years
nominal growth
Add investments on the Portfolio tab to see projections per holding.
Growth Curve
Existing vs Planned. Projection Comparison
Growth trajectories side by side
What changes between existing and planned
Time to double, existing vs planned
Sensitivity Analysis. Per Investment
Select a holding to see how its projected value changes across different horizons and monthly top-ups.
Current value
Time to Double (Rule of 72)
📊
No portfolio data yet
Add investments on the Portfolio tab to see your charts
Portfolio Allocation
How your money is spread across asset categories
Monthly Return by Investment
Expected inflation-adjusted monthly return per holding (KES)
Risk vs Return Matrix
Bubble size = investment value · Ideal: lower-right quadrant (high return, low risk)
Investment Value Comparison
Size of each holding in KES, see what dominates your portfolio
Existing vs Planned Comparison
Portfolio totals, monthly returns and weighted returns side by side
◆ Coach Tool
Market Rate Manager
Update return rates from verified Kenyan sources. Rates you set here auto-fill when adding investments. All rates are coach-verified, not live API data.
Verified Kenyan Sources
Tap a source to open the official website and find the latest published rates. Then enter the rate in the Rate Manager below.
Rate Manager
Risk vs Return
Portfolio Scorecard
Diversification (max 100)
You earn 16 points per distinct asset category. 6+ categories = 100. The idea: spreading across Cash, Fixed Income, Property, Equities, SACCO and Alternatives reduces single-asset risk.
You earn 16 points per distinct asset category. 6+ categories = 100. The idea: spreading across Cash, Fixed Income, Property, Equities, SACCO and Alternatives reduces single-asset risk.
Average Return (max 100)
Weighted average return (%) across all holdings × 3.5. A 28%+ weighted return scores 100. Reflects how hard your money is working overall.
Weighted average return (%) across all holdings × 3.5. A 28%+ weighted return scores 100. Reflects how hard your money is working overall.
Risk Control (max 100)
Starts at 100 and decreases as the weighted risk score rises above 1.0. Each 0.04 increase in risk costs 1 point. Low-risk portfolios (weighted score near 1.0) score highest.
Starts at 100 and decreases as the weighted risk score rises above 1.0. Each 0.04 increase in risk costs 1 point. Low-risk portfolios (weighted score near 1.0) score highest.
Liquidity (max 100)
% of portfolio in liquid assets × 4. Liquid assets include Cash & Deposits and Money Market Funds / Unit Trusts with liquidity ≥ 4. Holding 25%+ in liquid assets scores 100. This ensures you can access funds in an emergency without selling illiquid assets at a loss.
% of portfolio in liquid assets × 4. Liquid assets include Cash & Deposits and Money Market Funds / Unit Trusts with liquidity ≥ 4. Holding 25%+ in liquid assets scores 100. This ensures you can access funds in an emergency without selling illiquid assets at a loss.
Concentration (max 100)
Starts at 120 and deducts 1.5 points for every 1% that the largest category exceeds 20%. A perfectly balanced portfolio (no category above 20%) scores near 100. Concentration in one area raises risk.
Starts at 120 and deducts 1.5 points for every 1% that the largest category exceeds 20%. A perfectly balanced portfolio (no category above 20%) scores near 100. Concentration in one area raises risk.
Score colours:
≥ 70 Green (Good) ·
40–69 Amber (Needs attention) ·
< 40 Red (Act now)
Optimisation Suggestions
What Would Move the Needle Fastest
Coach tool
Add your investments to see which one or two changes would have the biggest impact on your wealth, your coach uses this to focus the work.
Coach Action Points
Add Action Point
🔔 Remind me
🎯
Savings Goals
Track what you're saving towards
▾
Nothing saved yet, that's fine, everyone starts at zero. Pick what you're working toward.
🧾
KRA Tax Estimator
What you might owe KRA this year
Add what you earned this year below and we'll estimate the tax using KRA's official bands. no tax knowledge needed.
Employment income (annual KES)
Business / rental income (annual KES)
NSSF contribution (annual KES)
Your retirement savings deduction, find it on a payslip, or leave blank if you're not sure.
Estimated annual tax (KRA PAYE bands 2024)
Gross Tax
Tax Relief
Net Tax Payable (Annual)
Estimate only · consult a tax advisor for filing
💳
Loan & Debt Tracker
SACCO, bank, mobile loans
▾
No debts recorded, add one whenever you're ready to keep an eye on it.
📊
Income Smoothing
A safe-to-spend baseline when income changes month to month
Loading your revenue history…
📈
Net Worth Tracker
What you own minus what you owe, over time
▾
Business Valuation
See what your business is worth today, and what it would take to double it.
How would you like to get started?
Import from Accounting Software
Export a Profit & Loss or Balance Sheet from your software as CSV or Excel. We'll read the numbers automatically.
Select your software for step-by-step guide
🟩 QuickBooks
🔵 Zoho Books
🟡 Sage
🔷 Xero
📄 Any CSV/Excel
📂
Tap to upload your report
CSV or Excel (.xlsx) · P&L or Balance Sheet
Enter Numbers Manually
Step 1. Business Profile
Business name
Industry sector
Describe your industry
Years in operation
yrs
No. of employees
people
Step 2. Financials (KES)
📅 Monthly mode: Enter your average monthly figures, the tool automatically multiplies by 12 to compute annual values for the valuation.
Annual Revenue (Turnover) *
Total income from sales
KES
Cost of Goods / Services
Direct costs to deliver sales
KES
Annual Operating Expenses
Rent, salaries, utilities, etc.
KES
Auto-computed from your figures above
Annual Gross Profit
Revenue − Cost of Goods / Services
—
Annual Net Profit (before tax)
Gross Profit − Operating Expenses
—
Annual Tax (30%)
Corporate tax rate. Kenya
—
Annual Net Profit (after tax)
Used in the valuation below
—
Revenue growth rate p.a.
%
Discount / risk rate
Step 3. Balance Sheet (optional)
Improves accuracy
Total Assets
KES
Total Liabilities
KES
Balance sheet figures are always entered as totals (not monthly).
Tap to see what your business is worth
What do these terms mean?
▾
Revenue Multiple
Multiplies yearly sales by a typical figure for your industry. Quick, simple, a fair starting point.
Earnings Multiple (EV/EBITDA)
Same idea, but based on actual profit rather than total sales, closer to what a serious buyer would look at first.
Asset-Based
What's left after selling everything and paying every debt. A floor, not a ceiling.
DCF (Discounted Cash Flow)
The most thorough method, projects your future profits for 5 years and works out what that's worth in today's money. What banks and serious investors use.
Valuation Methods Used
Key Ratios Explained
Scenario Planner
Set a target valuation and the tool will show you exactly what needs to change to get there.
Current Blended Valuation
What the business is worth today
—
Target business value
What you want the business to be worth
KES
Welcome back 👋
Here's everything Kibeti gives you.
Pick where you'd like to start.
Pick where you'd like to start.
My Budget
Expenses · Auto Budget · Income · Bills · Tools
🧾
Expenses
Set your spending budget by category, personal and business separately
✨
Auto Budget
Enter your gross salary. We compute KRA deductions and recommend your full budget by age group
💰
Income
Set what you expect to receive: salary, sales, side income, rental and more
🛠️
Tools
Savings goals, debt tracker, KRA tax estimator, income smoothing and net worth tracker
My Investments
Portfolio · Projections · Analysis · Charts · Biz Value
💰
Portfolio tracker
All 22+ asset types in one place, live returns
📈
Projections
See your wealth grow over 1, 5 and 10 years
🔍
Portfolio analysis
Risk score, scorecard and rebalancing guidance with verified sources
🏢
Biz Valuation
4-method valuation from Revenue Multiple to DCF
My Sales
Pipeline · Routes · Performance · Revenue
🎯
Sales pipeline
Track every client from lead to closed deal
🗺️
Route planner
Plan visits, start trips and log attendance
📊
My Performance
Live targets, actuals and commission tracker
💼
Revenue & P&L
Products, pricing and profitability in one view
Settings
Coach · Experience · Profile · Team · Password · More
🧑🏫
Switch coaches
Pick Kibe, Beti or Tibi, change anytime
👥
Sales team
Define your team, add reps and manage logins
🔄
Your experience
Switch between Entrepreneur, Solo or Employee
⚙️
Your account
Profile, password, Money Run and app info
Growth
Coach · Points · Community · Referrals · Partners
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Coach
Choose your AI coach Kibe, Beti or Tibi. Human coach also accessible for daily money guidance, no jargon
🏆
Points
Earn points for good money habits and climb the tiers from Seed upward
👥
Community
Join Circles and Family groups, and see the community leaderboard
🎁
Referrals
Invite friends with your code. They get a free month and you earn 20% revenue share for life
🤝
Partners
Unlock partner perks like priority loan reviews and exclusive offers
Notifications
Activity alerts for today
Kibeti Help & Tour
Kibeti
Your wealth coach
Welcome. Tell us about yourself.
We'll tailor your experience so the most useful tools show up first.
What matters most right now?
Your honest answer helps us show you the right starting point.
Pick your pocket coach.
Your coach talks to you daily. Pick who fits your style.
🔔
One minute that changes everything.
The people who get ahead financially don't have more money. They have one habit: they check their numbers at the same time every day. That's it. That's the whole secret.
◆ Your coach will meet you here
Every day at the time you choose, your coach leaves you a message. A financial insight. A mindset shift. One action. It takes 60 seconds to read — and those 60 seconds compound into something most people never build.
When do you want your daily coach message?
📖 What 90 days of showing up looks like
Users who open Kibeti daily for 90 days consistently know their numbers, catch money leaks early, and make better financial decisions — not because they have more money, but because they never lose sight of what they have.
🌱
Your Kibeti journey starts here
4 quick actions. Each one gives you an instant result. Takes under 5 minutes.
1
Set up your budget
Enter your salary → see your real take-home after KRA · ~1 min
💸
2
Log your first expense
Record one thing you spent money on today · ~30 sec
📝
3
Add 2 investments
See the returns they're giving you right now · ~2 min
⭐
4
See your monthly picture
Everything in one view · instant
📊
🚀
Your money is working!
You have 2 investments generating returns right now
KES 0
Total invested
KES 0/mo
Est. monthly return
KES 0/yr
Est. annual return
0%
Weighted return
👨🏽
Your KES is working while you sleep. That's the power of compounding — every day your money sits invested, it earns more. This is how wealth is built.
Finishing your starter journey first
This feature is here and ready. Complete your 4 starter steps to unlock the full experience — or explore now if you prefer.
Your Journey
0 of 4 steps complete