What is Mtu na Pesa?
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.
Questions
Clear answers, plainly written.
Net worth, investments, loans, AI insights, the five plans, mobile money, security — the questions people ask before trusting an operating system with their money.
About the system
What Mtu na Pesa is and how it’s different.
Is Mtu na Pesa just another expense tracker?
No. Most apps stop at “where did your money go.” We start there and keep going: net worth that includes assets and investments, allocation-based budgeting, savings goals that convert into trackable assets, full debt classification, internal Chama / VICOBA management with loans and rotations, and an AI Coach that uses your actual data. Expense tracking is one feature, not the product.
What is the Financial Discipline Score?
A single number from 0 to 100 that captures how disciplined your money behaviour was this month — across four components: how consistently you log transactions, how reliably you save, how well you stick to your budgets, and how steady your money habits are. You see it monthly, and you can see how it has trended over time.
Net worth, investments & assets
The wealth side — what you own, what it’s worth, how it grows.
How does net worth tracking work?
Cash in your accounts + savings + assets (land, property, vehicles, livestock, equipment) + investments − liabilities (loans, credit, mobile-money debt). We compute it nightly and on-demand, so the number you see is your real position right now. You can also see your net worth over time — month by month, year by year.
What investments can I track?
Unit trusts (UTT), stocks (DSE), SACCO shares, fixed deposits, bonds, and crypto. Each one tracks cost basis, current value, unrealized gain/loss, and a valuation history. You can contribute, withdraw, revalue, or close holdings — all from the app.
Can I track assets like land, houses and cars?
Yes. Asset types include land, property, vehicles, livestock, inventory, equipment, and other. Each asset tracks acquisition value, current value, and unrealized gains. When you sell, the proceeds land in whichever account you choose, and the gain becomes realized on your reports.
What is the Goal → Asset feature?
When you finish saving for something real — a piece of land, a car, a generator — one tap turns the completed savings goal into a tracked asset on your net worth. No double-counting, no manual math, no re-typing.
Loans & debt
Money you owe and money owed to you.
How does loan management work?
Track money you borrowed (formal loans, credit, mobile loans, salary advances, informal lending) and money you lent. Each loan has a category, interest rate, repayment frequency, and due date. Record partial or full repayments. We remind you before payments are due. The unified liability view shows you what your debt actually costs.
AI Coach
Your private financial intelligence layer.
What does the AI Coach actually do?
Several things, all grounded in your actual data: anomaly detection (flags spending out of line with your normal pattern), allocation suggestions (proposes how to split your income across Giving / Needs / Wants / Savings based on your last 90 days), income forecasting (predicts next month’s likely income), weekly briefings (every Monday, a summary of last week and what to focus on), and Coach chat (ask money questions in your own words and get answers from your real finances).
Pricing, payment & trial
Free, Premium, Family — and how the trial actually works.
Is it really free?
Yes. The Free plan is free forever — no trial, no expiry. It includes income & expense tracking, smart categories, savings goals, basic AI insights, and CSV / Excel export. We charge for Premium features (AI Coach, full wealth tracking, advanced reports, Chama management). Most people start free and upgrade when they want more.
How do I pay? Do I need a credit card?
You can pay with M-Pesa, Tigo Pesa, Airtel Money, Halo Pesa, or a card — through Snippe checkout. Most users pay with mobile money. No credit card required.
How does the free trial work?
Tap “Start free trial” in the app — no card required. You get full Premium access for 14 days, every feature, no asterisks. We remind you 3 days before it ends. When the trial ends you drop back to Free automatically, nothing gets charged. One trial per account.
What happens if I cancel?
You keep Premium until the end of the billing period you already paid for. After that, you drop back to Free — your data stays intact, you just lose Premium features. Re-subscribe any time.
Privacy & security
Your data, your audit trail, your peace of mind.
Will you read my SMS or bank messages?
No. Deliberately not. Some apps scrape your bank and mobile-money messages “to make it easier” — we don’t. Trust matters more than convenience. Mtu na Pesa never asks for your bank or mobile-money credentials.
What happens to my data if I delete my account?
It’s permanently deleted. We don’t keep backups of deleted accounts.
Day-to-day
Groups, business use, exports, countries.
Do you support Chama / VICOBA / SACCO groups?
Yes — it’s a first-class feature, not an afterthought. Create groups, add members with roles (Owner, Admin, Treasurer, Member), record contributions and payouts, set rotation schedules, issue internal loans with interest, and track repayments. Members see only their own loans; admins see the whole picture.
Can I export my data?
Yes. CSV and Excel export are free on all plans. PDF export is a Premium feature. Any date range, any time.
Is my data safe?
Your auth tokens stay encrypted on your device — Keychain on iOS, Keystore on Android. Sensitive screens are screenshot-protected, so balances and net worth won’t appear in app switchers or screen recordings. Every important change is recorded in your activity log. We never sell your financial data.
Which countries do you support?
Built for East Africa first — Tanzania, Kenya, Uganda, Rwanda. Multi-currency (TZS, KES, UGX, RWF, USD) means you can use it from anywhere.
Can I use Mtu na Pesa for my business?
Today you can track both personal and business money in the same app using separate accounts. A dedicated Business tier with Personal + Business modes, multi-entity organisation and team support is coming soon — tap “Notify me” on the pricing page to hear when it launches.
Ready when you are
Start running your money as a system.
Download Mtu na Pesa and begin with the Free plan. Upgrade whenever you’re ready for the full wealth dashboard.