01
Daily money
Income & Expense Tracking
Capture every shilling that moves — built for mobile money, M-Pesa, Tigo Pesa, Airtel Money, bank, and cash. Smart categorization turns scattered spending into daily financial awareness.
Personal Financial Operating System
Your whole financial life, one intelligent system.
Track income, expenses, savings, loans, investments and assets in one app — see your real net worth, build money discipline, and grow wealth with AI-powered clarity.
Free on iOS & Android
- We don't read your SMS
- Mobile money ready
- Your data stays yours
Mtu na Pesa tracks income, expenses, savings goals, loans, investments, assets, net worth, AI insights, your discipline score, mobile money, and both personal and business finance.
The real problem
Your bank balance is not your wealth.
Most people don't have a money problem — they have a visibility problem. Income, savings, loans, investments and assets live in different places, so the full picture never appears. You can't grow what you can't see.
M-Pesa
“Money comes and goes through mobile money — and I can't say where.”
Loans
“I owe the bank, I owe a friend, someone owes me. None of it is written down.”
Investments
“My money is in UTT, a SACCO, a plot of land — but I never see it together.”
Net worth
“I judge my finances by my bank balance. It tells me almost nothing.”
The fix isn’t more willpower or another spreadsheet. It’s one system that brings every part of your financial life into a single, intelligent view — so you can finally see, build, and grow real wealth.
Eight modules
One operating system. Every part of your money.
Mtu na Pesa is built from eight connected modules. Together they turn scattered financial life into a single, intelligent system you actually run.
02
Build the buffer
Savings Goals
Emergency funds, school fees, a plot of land, a wedding. Set a goal, automate allocation when income lands, and watch progress fill toward something real.
03
Debt clarity
Loan Management
Track loans you took, loans you owe, and money people owe you. Repayment progress, due-date reminders, and honest debt awareness — so nothing slips.
04
Grow beyond cash
Investment Tracking
Unit trusts, DSE stocks, SACCO shares, fixed deposits, bonds and crypto — finally see all of your investments in one dashboard, growing in one place.
05
Real wealth
Asset Tracking
Land, houses, cars, businesses, equipment — the things you actually own. Track long-term assets and watch your true net worth take shape over time.
06
Intelligence
AI Financial Insights
Your financial intelligence companion — spending pattern analysis, savings recommendations, budget intelligence, and gentle habit nudges drawn from your own data.
07
Behaviour
Financial Discipline System
A personal Discipline Score, habit streaks, and consistency tracking turn good intentions into behaviour that compounds — money discipline you can measure.
08
One life, organised
Personal & Business Modes
Personal finance, side hustles, a small business, freelance income, family money — keep every part of your financial life organised without mixing it up.
Net worth & wealth
See your wealth grow — beyond just cash.
This is the section that changes everything. Mtu na Pesa adds up everything you own, subtracts everything you owe, and shows your real net worth — tracked over time, so wealth becomes something you can actually see and build.
Cash & savings+Investments+Assets−What you owe=Net worth
One honest number
Cash, savings, investments and assets, minus every debt — your true financial position, not just a bank balance.
Wealth growth over time
Watch your net worth move month by month, so you know whether you are genuinely getting ahead.
Debt awareness built in
Loans and debts are subtracted automatically — wealth you can trust, with nothing hidden.
Investment tracking
Every investment you hold, finally in one dashboard.
Unit trusts, DSE stocks, SACCO shares, fixed deposits, bonds and crypto — finally see every investment growing together. Real estate, vehicles and other physical wealth live in Assets, where they belong.
Unit trusts
UTT and other unit trust funds
DSE stocks
Dar es Salaam Stock Exchange
SACCO shares
Savings & credit cooperatives
Fixed deposits
Bank & treasury savings
Bonds
Government and corporate bonds
Crypto
BTC, ETH and the rest of your portfolio
See your wealth grow beyond cash. Track contributions, current value, and gains across every investment — and watch them feed straight into your net worth.
Asset tracking
The real things you own — counted as wealth.
Land, houses, vehicles, businesses, equipment. The valuable things a normal finance app ignores. Record them, value them, and watch your true net worth take shape.
Land & plots
Surveyed land, plots, farmland
Houses & property
Homes, rentals, buildings
Vehicles
Cars, bodaboda, trucks
Businesses
Shops, ventures, equity value
Equipment
Tools, machinery, electronics
Long-term assets
Anything that holds value
Net worth visibilityAsset growth over time
Loan management
Borrowed, owed, and lent — all under control.
Track every kind of debt in one place: loans you took, debts you are repaying, and money people owe you. Progress bars and quiet reminders mean nothing ever slips.
You borrowed
Loans you took
Bank loans, SACCO loans, mobile loans, money from family — every balance, interest, and due date in one honest list.
You owe
Debts you're repaying
Track repayment progress with clear bars, and get a quiet reminder before each instalment is due — never a missed payment.
Owed to you
Money people owe you
Lent money to a friend, family, or your business? Record it, track it, and follow it up — so what's yours comes back.
AI financial insights
Your financial intelligence companion.
The AI reads your own data and turns it into clarity — where your money goes, where you could save, how your wealth is moving, and what habit to nudge next.
Anomaly detection
Spots when you spent 3× your usual on transport this week — before you wonder where the money went.
Income forecasting
Predicts next month's likely income so you can plan, not panic.
Weekly briefings
Every Monday, a summary of how last week went and what to focus on this week.
AI Coach chat
Ask money questions in your own words. Get answers grounded in your actual data — never generic advice.
Ask your money anything
“Can I afford a TZS 3M plot this year without touching my emergency fund?”
✦4 insights
Financial AI
This week, for you
Spending pattern
Your transport spend is up 22% this month — mostly weekend bodaboda trips.
Savings nudge
You could move TZS 80,000 to your emergency fund and still stay within plan.
Wealth insight
Your net worth grew 6.4% this quarter — driven by your DSE and land holdings.
Habit nudge
12-day logging streak. One more week and your Discipline Score crosses 90.
Illustrative insights — your AI speaks only from your own data.
Financial discipline
Discipline you can actually measure.
Wealth is built on behaviour, not luck. The discipline system turns good intentions into consistent habits — and gives you a number that proves you're improving.
A personal Discipline Score
One private score that reflects how consistently you live your financial plan — it rises with rhythm, never with perfection.
Habit streaks
Logging, reviewing, staying within plan. Small repeated acts become streaks you don't want to break.
Consistency tracking
See your financial consistency week to week, so behavioural improvement becomes something you can measure.
Learn while you go
Short lessons on money — read, quiz, level up.
Topic-focused, level-aware. The financial education your school never gave you, paced for the life you actually live.
Short lessons
5–10 minutes each. Read on the bus, on the queue, in between meetings.
Level-aware
Beginner, intermediate, advanced — the next lesson always matches what you already know.
Quizzes that stick
Test what you learned, see what you missed, lock it in. Real recall, not passive scrolling.
Progress that compounds
Track completion, quiz scores, and topics mastered. Watch yourself level up over time.
African-first
Designed for African financial life — not adapted to it.
Mtu na Pesa is built around the realities of money in Tanzania, Kenya, Uganda and beyond. Mobile money, multiple currencies, informal income, and the way families really save.
Currencies
TZSKESUGXRWFUSD
Mobile money & accounts
M-PesaTigo PesaAirtel MoneyHaloPesaBankCash
Mobile money first
Built for how money truly moves in Africa — mobile wallets, agents, and cash, treated as first-class, not an afterthought.
SACCO shares
Track cooperative shares alongside cash, investments, and assets — counted properly toward your real net worth.
Side hustles & farms
Irregular income, a duka, a farm, a bodaboda, freelance work — the system adapts to hustle, not a fixed salary.
Family & land
Family finance, school fees, plots of land and property — the priorities that actually shape African households.
Chama · VICOBA · ROSCA · SACCO
Run your Chama like a pro.
The only personal finance app built with savings groups in mind. Whether it’s a Chama, a VICOBA, a ROSCA, or a SACCO sub-group — the part every other app skips, we treat as first-class.
Coordinating money between people is hard. We don’t treat it as an afterthought.
Create a group, add members
Owner, Admin, Treasurer, Member — each role sees only what they should, never more.
Record contributions & payouts
Date, amount, member, note. The book a treasurer keeps — searchable, exportable, and provable.
Set rotation order
Run rotation payouts with one tap. No more arguments about whose turn is next.
Issue internal group loans
Interest rate, due date, full or partial repayments — tracked alongside the contributions.
Privacy by role
Members see only their own loans. Admins see the whole picture. No permission confusion.
No spreadsheets needed
No lost notebooks, no “wait, whose turn is it?” — the entire group’s money, in one place.
Pricing
Start free. Upgrade when you're ready. Cancel anytime.
A genuinely useful free plan keeps Mtu na Pesa open to everyone. Premium unlocks the full wealth operating system — try every feature free, no card needed.
Free
TZS 0free forever
Track your money today — no card, no commitment.
- Basic monthly reports
- Basic AI reminders & tips
- Educational finance tips
- Report history
- Savings goals
- Financial accounts
Premium Personal
TZS 7,000per month
or TZS 70,000/year · save 17%
The full wealth operating system — every feature, the full net worth picture, and your AI Coach.
- Basic AI reminders & tips
- AI financial coach
- Behaviour analysis
- Spending pattern insights
- Savings recommendations
- Financial habit scoring
Family
14-day free trialTZS 20,000per month
or TZS 200,000/year · save 17%
One subscription, the whole household. Up to 8 members, shared budgets, private wallets.
- SMS smart import
- Smart expense detection
- Recurring transaction detection
- Basic AI reminders & tips
- AI financial coach
- Behaviour analysis
Pay your way
Mobile money or card — your choice.
Checkout is powered by Snippe. You pay once per period, you control when to renew.
- M-Pesa
- Tigo Pesa
- Airtel Money
- Halo Pesa
- Card
About the free trial
Premium free. No card. No surprise renewals.
We don’t trick you into a paid plan.
- No card required to start — tap 'Start free trial' in the app
- Full access to every Premium feature, no asterisks
- We remind you 3 days before it ends
- Trial ends → you go back to Free automatically. Nothing gets charged.
- One trial per account — fair to everyone
Compare every plan in detail
Prices in TZS. Available in TZS, KES, UGX, RWF, USD at checkout. Pay with M-Pesa, Tigo Pesa, Airtel Money, Halo Pesa, or card.
Privacy by design
We don’t read your SMS — by choice, not by accident.
Some apps scrape your bank and mobile-money messages “to make it easier.” We deliberately don’t. The cost to your privacy isn’t worth the convenience.
Read our Privacy PolicyYour money is your business
Built to be trusted with your whole financial life.
Your data is yours
Your records, your net worth, your investments — never sold, never brokered, never used to train models you don't control. Export everything any time in CSV, Excel, or PDF. Delete your account and it's permanently gone — no backups kept.
See every change to your data
Every important change to your account is logged with timestamp and source. Sensitive operations — account close, balance adjust, goal delete — are always traceable. Your money, your audit trail.
Encrypted where it counts
Auth tokens live in the device's secure enclave — Keychain on iOS, Keystore on Android. Sensitive screens are screenshot-protected, so your balances and net worth won't appear in app switchers or screen recordings.
No bank logins required
Mtu na Pesa never asks for your bank or mobile-money credentials. The system works from the entries you choose to make.
Your money. Your system. Your future.
Start running your financial life like a system.
Track money, build wealth, and stay disciplined — all in one Personal Financial Operating System built for Africa. The Free plan is genuinely useful. Premium unlocks your full net worth.
Free plan available · iOS & Android · Mobile money ready
Common questions
Everything you want to know.
How net worth, investments, loans, AI insights, plans and security work — answered clearly, the way we’d want them answered.
Mtu na Pesa is a personal wealth operating system built for East Africa. Track every shilling, build the discipline to keep more, and grow real wealth — assets, investments, and your Chama — from one app.