Cresta Plan, Goals & Budget

Take control of your money — without the complexity.

Cresta Plan. Goals & Budget is a personal, team, and family financial management app. Whether you earn from a business, a job, or multiple income streams, Cresta Plan gives you a clear, real-time picture of your finances with minimal effort.

WHAT YOU CAN DO

📊 DASHBOARD
See all your accounts, recent transactions, budget performance, goal progress, and upcoming payments in one clear view — no tab-switching, no spreadsheets.

💳 ACCOUNT MANAGEMENT
Add cash, mobile money, and bank accounts. Track balances and transfers across all accounts side by side.

📥 TRANSACTION TRACKING
Record income and expenses by category with notes and attachments. Search by merchant, amount, or date in seconds.

📅 SMART BUDGETING
Set monthly or custom-period budgets by category. Real-time plan-vs-actual tracking with overspend alerts so you course-correct in days, not at month-end.

🎯 FINANCIAL GOALS
Define savings goals — emergency fund, school fees, business capital — with amounts and deadlines. Track milestones and projected completion dates so motivation comes from visible movement.

💡 SMART INSIGHTS
Automated analysis of your transaction patterns surfaces spending anomalies, budget drift warnings, and personalised tips — like a financial adviser that learns from your behaviour. No data shared externally.

📈 CASH FLOW FORECASTING
See where your money is headed — daily, weekly, or monthly — combining your spending history with scheduled recurring transactions.

🧾 INVOICING
Create invoices with line items, taxes, and notes. Track partial payments and draft, sent, and paid statuses in one place.

🔁 RECURRING TRANSACTIONS
Manage recurring bills, subscriptions, and payments with upcoming reminders so nothing slips by.

📉 DEBT MANAGEMENT
Track debts with structured payoff strategies. Log payments and watch balances trend downward.

📊 REPORTS & ANALYTICS
A full suite of reports turns your activity into insight:

• Income Reports — all earning sources across any period
• Expense Reports — understand where every shilling goes
• Income vs Expense — compare inflows and outflows
• Trends Report — spending and earning patterns over time
• Account & Category Breakdown — drill into any category
• Debt Reports — payoff progress across all debts
• Upcoming Transactions — payments due in the days ahead

All reports are export-friendly for your accountant or financial adviser.

👨‍👩‍👧 FAMILY & TEAM FINANCE
Invite family members, partners, or team members to a shared workspace. Track spending, monitor shared budgets, and work toward shared goals — each with role-based access. One shared financial story. Calmer coordination.

WHAT MAKES IT DIFFERENT

✦ Truly Offline-First
Every feature works without internet. A complete local database runs on-device. When connectivity returns, intelligent sync ensures nothing is ever lost.

✦ Built for Shared Finance
Cresta Plan treats money as a shared concern — giving families and teams the tools to stay aligned without juggling separate apps or spreadsheets.

✦ Your Data, Your Intelligence
Insights, forecasts, and goal predictions are powered entirely by your own transaction data — privately, with nothing shared externally.

SECURITY & PRIVACY
🔒 Sensitive financial identifiers encrypted at rest
🔒 All data in transit is encrypted over HTTPS
🔒 Credentials stored in secure hardware-backed storage
🔒 Your data syncs privately to your account — never exposed to third parties
🔒 No data sold or shared externally

WHO IS IT FOR?
Cresta Plan is for individuals, teams, couples, families, and small business owners who want financial clarity without complexity.

Simple lessons. Clear insights. Better decisions.
Plan better. Live better.

🌐 crestaplan.com