Esgrey Alliance
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Built for Ghana · GH₵ first

Financial disciplinethrough accountability

Make better financial decisions before the money leaves.

Esgrey Alliance brings a trusted person and intelligent financial guidance into the decisions that matter — helping you manage money with context, discipline and accountability.

Start free See how it works

Free forever plan · No credit card required

  • Workspace-level access control
  • You choose what a partner can see
  • Free forever plan · no card required
Dashboard
Sample data

Financial Health

84/100

Very good · +6 this month

Weekly savings

GH₵850

of GH₵1,000 target

Today's priorities

  • Save GH₵150 to stay on this week's target
  • Review one purchase request
  • Electricity bill due tomorrow

AI Insight

“You are GH₵150 away from this week's savings target.”

Financial partner activity

Esther reviewed your headphone purchase request.

The problem

Budgeting apps arrive after the money is already gone.

Reports, charts and categories all describe the past. The decision that actually shaped your month happened days earlier — alone, at the point of purchase, with no context and nobody to talk to.

What Esgrey Alliance does differently

  • The money conversation happens before the purchase, not after.
  • Every decision carries its financial impact, in plain language.
  • Someone you trust can weigh in — only where you allow it.
  • Weekly reviews turn one good decision into a habit.

How it works

Six steps from private tracking to shared discipline.

Start on your own in minutes. Add people, permissions and approvals only when you're ready for them.

  1. 01

    Create your workspace

    Start privately with your own financial workspace, in your own currency.

  2. 02

    Track your money

    Record income, expenses, budgets and financial goals across cash, mobile money and bank.

  3. 03

    Invite someone you trust

    Bring in a partner, spouse, parent, mentor, accountant or financial coach.

  4. 04

    Set accountability rules

    Control exactly what your financial partner can see, review or approve.

  5. 05

    Make better decisions

    Important purchases go through the Decision Center before the money leaves.

  6. 06

    Review your progress

    Weekly reviews show whether your financial habits are actually improving.

Decision Center

Money decisions happen before the purchase.

Set a threshold. Anything above it becomes a request with its full financial impact attached — reviewed by your financial partner, with an AI read on timing. Nothing is blocked; everything is informed.

  • Purchases, budget changes and goal changes all flow through one place.
  • Approve, decline or discuss — every outcome is recorded in the audit timeline.
  • Threaded comments keep the reasoning attached to the decision.

Purchase request

Sample data

Sony WH-1000XM6

Reason: work + travel

GH₵4,500

Financial impact

May delay your weekly savings target by 4 days.

AI Insight

“This purchase is affordable, but waiting until Friday keeps your savings target on track.”

Financial partner

“Let's wait until Friday.”

ApproveDeclineDiscuss

Esgrey Alliance never blocks your money. It gives the decision context — and a person you trust — before you spend.

Financial Health

84/100

Very good · +6 this month

Sample data
  • Savings discipline92
  • Budget discipline78
  • Goal progress86
  • Expense discipline81
  • Bill management88
  • Review consistency74

Why it moved: you kept four weekly savings transfers in a row and closed the month inside your transport budget for the first time.

Financial Health

One score, and the reasons behind every point.

Your Financial Health score is never a black box. It breaks into savings discipline, budget discipline, goal progress, expense discipline, bill management and review consistency — and always explains what moved it.

  • Savings discipline
  • Budget discipline
  • Goal progress
  • Expense discipline
  • Bill management
  • Review consistency

Designed around real financial behavior

Accountability, context and progress.

Three principles shape every screen in Esgrey Alliance.

Accountability

Invite someone you trust into the financial process — approval before impulse, by invitation only.

Context

See the financial impact of a decision before you spend it. Every cedi accounted for, every trade-off visible.

Progress

Track whether your discipline is genuinely improving, week over week — built for shared money.

Who it's for

Built for real financial relationships.

Every relationship type gets its own permissions, so collaboration never means giving up control.

Individuals

Build financial discipline and understand exactly where your money goes.

Couples

Manage money together without losing individual visibility or autonomy.

Families

Build shared goals and household accountability everyone can see.

Entrepreneurs

Keep personal and business financial decisions disciplined and separated.

Financial coaches

Support clients with structured accountability and weekly financial reviews.

Mentors & accountants

Participate in financial workflows with permissions the owner controls.

AI Insights

Financial intelligence, not financial advice.

Esgrey Alliance reads your own numbers and tells you what they mean — spending shifts, timing trade-offs and goal impact — so the decision stays yours.

AI insights are informational and should not be considered financial, investment, legal, tax or accounting advice.

  • “You are spending 18% more on transport this month.”
  • “You are GH₵150 away from your weekly savings target.”
  • “Waiting until Friday keeps your current savings plan on track.”
  • “Your current spending pattern may delay this goal by 8 days.”

Security

Your financial data stays yours.

Access control is the product. Here is what protects your workspace today — and what we deliberately do not claim.

Encrypted in transit and at rest

Workspace-level access controls

You control what a partner sees

Full activity history

Row-level security, role-based permissions, secure authentication, and no selling of personal data. We hold no SOC 2, ISO 27001 or PCI DSS certification and never claim otherwise.

Security detailsPrivacy PolicyTermsRefund Policy

Ghana first, globally ready

Why “Alliance” matters.

An alliance means you don't have to manage financial discipline alone. Esgrey Alliance connects you, your financial goals, your financial intelligence and the people you trust — starting in Ghana, in cedis, with the payment methods people actually use.

Workspaces support GH₵, USD, GBP, EUR and more, so the same system travels with you.

Cash

Track physical cash wallets

Mobile Money

Tag MoMo payments

Bank

Record bank transactions

Payment methods are recorded manually today. Direct MTN MoMo, Telecel Cash, AT Money and bank API connections are roadmap items, not current integrations.

Pricing

Start free. Grow into the full system.

Foundation is free forever with no card required. Paid plans include a 14-day free trial and are billed in USD.

Foundation

Free forever

Free

Free forever

Perfect for individuals beginning their financial discipline journey.

Builder

Build the habit

$6.99/month

Or $5.58/mo — billed $67/year

Everything in Foundation, plus accountability with one financial partner.

Recommended

Steward

Intelligence on your side

$14.99/month

Or $12/mo — billed $144/year

Everything in Builder, plus AI coaching, forecasting and automation.

Compare all plans

Frequently asked questions

Start building better financial habits today.

You don't need to manage your money alone. Start privately, build your system, and invite the people you trust when you're ready.

Start free See how it works

Questions? Email hello@esgreyalliance.com