MarginLabs analyses your payslips, bank statements, and M-Pesa data to give you a personal CFO — precise, private, and always on.
The numbers that matter
KES 0
Your data stored
Zero raw data retained
94%
Accuracy rate
Statement parsing
16.2%
T-Bill rate
Current CBK 91-day
20%
Savings target
Professional benchmark
Privacy First
Your statements are processed in memory and never stored. Zero raw data retained.
Trusted by corporate professionals across Kenya
How MarginLabs Works
No spreadsheets. No financial degree required.
Payslip, bank statement, M-Pesa export — PDF, CSV or Excel. Your data is never stored.
Transactions categorised, patterns identified, Financial Health Score calculated in seconds.
Personalised budget, investment allocation, and goal plan — built around your actual numbers.
"Can I afford a car loan?" gets a real, data-backed answer from your AI financial advisor.
Platform Features
Upload your payslip, bank statement, or M-Pesa export. MarginLabs extracts every transaction, categorises spending, and surfaces the patterns eroding your wealth.
Personalised allocation across T-Bills, Money Market Funds, NSE equities, and SACCOs — based on your income, risk tolerance, and goals. Exact amounts, not vague advice.
"Should I pay off my loan or invest?" Get answers grounded in your actual financial data. Like having a CFO available 24/7, at a fraction of the cost.
Set goals — emergency fund, property deposit, retirement — and get a month-by-month plan. Automatically recalculates when your income or expenses change.
Your statements are processed in memory and immediately discarded. No raw financial data is ever stored. We extract only the anonymised metrics needed for your analysis.
Auto-built 50/30/20 budgets from your statement data. Flags every month where you drifted and shows exactly how to get back on track — no manual entry required.
Important Disclaimer
MarginLabs provides AI-generated financial analysis for educational purposes only. This is not regulated financial advice. MarginLabs is not a licensed financial advisor, investment manager, or bank. Always consult a qualified financial professional before making significant investment decisions. Your documents are processed in memory — no raw financial data is stored on our servers.
Client Results
“I uploaded my Equity Bank statement and within minutes MarginLabs found I was spending KES 23,000/month on things I'd forgotten about. That's money that's now in T-Bills.”
Amara Kamau
Senior Manager, PwC Kenya
“The T-Bill and Money Market recommendations changed everything. I was parking savings at 4% — MarginLabs moved me to 15.8%. The difference is real money, every month.”
James Mwangi
Engineer, Safaricom PLC
“As a finance professional I was sceptical. But the debt elimination plan it generated cleared my personal debt 8 months earlier than I'd planned myself. Impressive.”
Faith Ochieng
Finance Director, KPMG
Invest in Your Financial Future
Both plans deliver more value than they cost — within your first month.
Essentials
Take control of your finances with AI-powered analysis
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Your personal CFO, without the consulting fees
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