Why I Built Kumberi
I’m Herbert. I built this after sitting in the same place a lot of UK households sit: too much going on for a budget app, and a spreadsheet that hid the interactions that actually matter.
I wanted to know whether we could afford the next big choice before it became irreversible. Salary, tax, pensions, a house, maybe a child — they move together. Tracking balances does not answer that. Handing over a bank feed did not feel like a fair price for asking the question either.
So I built a way to name the decision, run the what-if, and inspect the numbers — so the trade-offs are clear enough to decide with confidence.
What The Name Means
In Shona, kumberi means straight ahead — to the front. The wordmark splits that way on purpose: ku- towards, mberi the front.
It is a direction, not a promise. I wanted something that looks at the next choice before it becomes irreversible, then leaves that choice with you.
How I Built It To Help
I will not ask for your bank login, and I will not pretend to be a coach in your pocket. What I will do is put the numbers in front of you — tax, cash flow, pensions, the knock-ons — so the next choice is easier to see.
If You Want To See The Working
For me, trust comes from being able to inspect the maths — UK tax rates, assumptions, and how a year is built.
Have A Look For Free
If you have a decision on your mind, have a look. Two what-ifs free. No card needed.