Hi Product Hunt, I'm Dan, the maker.

Why I built it: I noticed that most money apps only tell you to spend less, to log every sweet and every matatu ride. That's not how people actually build wealth. Wealthy people watch one number, their net worth, and focus on what moves it: clearing expensive debt, keeping a cushion, investing every month, and growing income their assets pay them.

Who it's for: anyone, whatever their starting point. A graduate in their first job with a Fuliza balance and no savings gets told to clear that debt first, with the exact monthly cost. A salaried professional sees how far they are from a year of expenses invested. An investor sees how many years remain until their investments cover their spending.

What it does:

- Net worth from what you own and owe, with a two-minute monthly review

- An 8-step roadmap that always shows your one next step, using your own numbers

- Growth planner: what steady investing becomes, and what waiting five years costs

- Income from salary, side jobs and tips, daily spending, and M-Pesa SMS import

- Monthly, quarterly and custom reports with automatic insights

Privacy: no account and no tracking. Data stays on your device and can be encrypted with a passphrase.

You can try it without entering anything: pick a sample profile on the welcome screen.

I'd value feedback on three things:

1. Is the roadmap's next step clear and believable for your situation?

2. Which assets, debts or SMS formats from your country are missing?

3. Would you pay for encrypted sync across your phone and laptop?

Live: https://giathi-daniel.github.io/DailyExpenseTracker/

Code: https://github.com/Giathi-Daniel/DailyExpenseTracker