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Your first real salary, planned.

Young professional budget

Starts from your net pay, not your gross, and makes room for the things a first salary actually carries — black tax, SACCO, the emergency fund nobody has.

Money coming in

Not sure what your net will be? Work it out first — starting a budget from gross pay is the most common way a first salary goes wrong.

Needs

Rent, food, transport, data — the things that do not go away.

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black tax — budget it rather than absorbing it
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HELB, bank, SACCO
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Wants

Everything you enjoy and could, in a bad month, stop.

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ItemPer monthShare
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Future

Savings, investments, debt you are clearing faster than required.

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ItemPer monthShare
aim for three months of needs
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above the minimum
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Left this month —
While you're here

A budget survives contact with inflation, or it does not.

The Brief tracks what is happening to Kenyan prices, rates and wages, so your plan is built on this month rather than last year.