Find out exactly where
your money goes
Answer 20 questions. Get a personalised wealth report with your hidden money patterns and a 90-day action plan.
KES 1,999 via M-Pesa · Pay only after your assessment
Sound familiar?
“Salary hits on the 28th. By the 15th, I'm on Fuliza.”
The Carousel
“I can't say no when family asks. There's always a harambee, a school fee, something.”
The Obligations Trap
“I drive a nice car, eat out every weekend — and have KES 0 saved.”
The Kuonekana Tax
These aren't character flaws. They're money patterns. And they have names.
How it works
Three steps to financial clarity
Answer 20 questions
15 minAn AI conversation — not a form. It asks about your income, spending, debts, goals, and behaviours.
Pay once via M-Pesa
30 secOnly after your assessment is complete. One STK push. No subscriptions, no hidden fees.
Get your report
InstantA 10-section wealth diagnostic: your wealth score, hidden patterns, and a personalised 90-day action plan.
Your report includes
Everything you need to take control
- Your Wealth Score with benchmarks
- Top 3 constraints holding you back
- Specific Kenyan savings products for YOUR situation
- Debt elimination sequence
- 90-day action plan with weekly milestones
- M-Pesa, SACCO, and NSSF-specific recommendations
Built on 9 constraint categories and 4 compound patterns specific to Kenyan financial realities.
What people say
Real diagnostics, real clarity
“I earn well but I could never figure out where the money goes. The diagnostic showed me three patterns I was completely blind to.”
James K.
Nairobi
“The obligations trap section hit different. Nobody talks about how family support eats into your wealth. Now I have a plan.”
Wanjiku M.
Mombasa
“Worth every shilling. The 90-day plan was specific to MY situation — not generic 'save more' advice.”
Brian O.
Nairobi
Is this for you?
Miliki is built for you if…
This is for you
- You earn KES 30K–200K/month but can't explain where it goes
- You use M-Pesa daily and want to understand your spending patterns
- You're tired of generic "save more" advice that ignores Kenyan realities
- You want a concrete 90-day plan, not a lecture
This is not for you
- You're looking for a licensed financial advisor or stockbroker
- You want someone to manage your money for you
Miliki is a diagnostic tool, not a financial advisory service. We help you see your patterns — what you do next is up to you.
Built in Nairobi
Hi, I'm Dennis — I built Miliki because I needed it myself.
Like most Kenyans, I earned a decent salary but had no idea where it went every month. Financial advisors were expensive and generic. I wanted something that understood Fuliza, harambees, and the salary-to-salary cycle — so I built it.
Simple pricing
One diagnostic. One price.
Cheaper than one session with a financial advisor
FAQ
Common questions
What exactly is a wealth diagnostic?+
A 20-question AI conversation that analyses your income, spending, debts, goals, and behavioural patterns. It identifies the specific constraints holding your wealth back and generates a personalised report with a 90-day action plan.
Why does it cost KES 1,999?+
You're paying for a personalised AI analysis powered by 490 lines of Kenya-specific financial intelligence — covering 9 constraint categories, 4 compound patterns, and recommendations for specific Kenyan savings products. This isn't a generic quiz.
Do I pay before or after the assessment?+
After. You complete the full 20-question diagnostic first. Payment is only required to unlock your report. If you don't pay, your data is automatically deleted.
Is my financial information safe?+
Yes. Your answers are encrypted, processed securely, and never sold. We comply with the Kenya Data Protection Act (KDPA). Your raw assessment answers are automatically deleted 90 days after your report is generated. You can download or delete all your data anytime from Settings.
How do I pay?+
Via M-Pesa. You'll receive an STK push to your phone — just enter your PIN. If the push doesn't arrive, there's a fallback checkout option.
Can I retake the diagnostic?+
Yes. Each diagnostic is a separate assessment. If your financial situation changes, a new diagnostic will reflect your updated patterns.
20 minutes now could change the next 20 years
Most Kenyans discover 2-3 hidden money patterns they never knew about. What will you find?
Find My Money Patterns — KES 1,999