Features

Everything your money needs — in one operating system.

Mtu na Pesa replaces a folder of half-used apps and spreadsheets. Track money, manage debt, grow real wealth, and let AI turn it all into clarity.

Income & expense tracking

Log money in and out in three taps — built for mobile money, bank, and cash.

Smart categorization

Categories that learn your spending, so daily awareness needs no effort.

Savings goals

Emergency funds and personal goals with automatic allocation on every income.

Loan management

Loans borrowed, debts owed, and money lent — with repayment progress and reminders.

Premium

Investment tracking

Unit trusts, DSE stocks, SACCO shares, fixed deposits, bonds and crypto — all in one dashboard.

Premium

Asset tracking

Land, houses, cars, equipment and businesses — the real things you own.

Premium

Net worth dashboard

Cash, investments, and assets minus debt — your true financial position.

AI financial insights

Spending analysis, savings recommendations, and habit nudges from your own data.

Financial Discipline Score

A personal score and habit streaks that turn intention into measurable behaviour.

Advanced analytics & reports

Months of behaviour turned into clear patterns and trends you can act on.

Personal & business modes

Personal, family, side hustle and small business finance — organised, never mixed.

Multi-currency & mobile money

TZS, KES, UGX and USD with first-class support for African mobile money.

How it works

Set up in two minutes. Run your money for a lifetime.

No tutorial marathon. A few short steps give the operating system enough context to be useful from day one.

Add your accounts

Mobile money, bank, and cash. Tell the system how money reaches you — salary, hustle, mixed, or irregular.

Track money in & out

Log income and expenses in three taps. Smart categories learn fast, so daily awareness needs almost no effort.

Add goals, loans & wealth

Set savings goals, record loans, and add your investments and assets — UTT, DSE, SACCO, land, a house, a business.

Watch your wealth grow

Your net worth, Discipline Score and AI insights update automatically — clarity arrives by month two, naturally.

In depth

The tension, the response, the outcome.

See your whole money picture

The full position — cash, accounts, and an audit trail you can trust.

Net Worth Dashboard

The tension: People judge their finances by their bank balance — a number that hides debt, assets, and everything they are building.
The response: Mtu na Pesa adds cash, savings, investments and assets, subtracts what you owe, and shows one honest number: your net worth, tracked over time.
What changes: Wealth growth you can see — clarity on whether you are actually moving forward.

Multiple Accounts

The tension: Money lives in M-Pesa, Tigo Pesa, Airtel Money, a bank account, a dollar account and cash — and no screen ever shows it all at once.
The response: Hold every account in one view, transfer between them, and freeze an account when you need to keep money set aside.
What changes: One balance for your whole life — not a guess scattered across six apps.

Activity Log

The tension: When a number looks wrong, there is usually no way to know what changed, when, or who changed it.
The response: Every change to your data is recorded — including changes we make — with the time it happened and who did it.
What changes: Your money, your audit trail — no black boxes, nothing to take on trust.

Reports & Export

The tension: The story of your money is buried in a feed of transactions no one wants to read.
The response: Monthly and yearly reports, net-worth trends, cashflow waterfalls and category breakdowns — exportable to CSV, Excel, or PDF for any date range.
What changes: The picture, not the pile — and the records ready when tax season or a loan officer asks.

Personal & Business Modes

The tension: Side hustles, a small business, freelance income and family money all tangle into one confusing picture.
The response: Separate modes keep personal, family, and business finances organised — switch between them, or run one of each, without ever mixing them up.
What changes: Each part of your financial life kept clean — one operating system for all of them.

Build the discipline to keep more

The behaviour layer — allocate every income, hold the limits, keep the rhythm.

Pillar Budgeting

The tension: Budgets built category-by-category collapse the moment real life arrives, because they never start from a plan for the whole income.
The response: Allocate every income into four pillars — Giving, Needs, Wants, Savings — and auto-tune the ratios from your last 90 days, or set your own.
What changes: Money has a job before it arrives — you build wealth the way disciplined earners do.

See your budget free — upgrade to build it and track every shilling.

Category Budgets

The tension: A few categories quietly eat the month — eating out, transport, entertainment — and you only notice once it is gone.
The response: Set limits on the categories that tend to run away, and see status at a glance before you overspend, not after.
What changes: The leaks are visible while you can still act on them.

Habits & Streaks

The tension: The behaviours that build wealth are small and daily, which is exactly why they are easy to drop.
The response: Track money habits and watch your streaks build — the quiet routines that compound over months.
What changes: Consistency you can feel — discipline becomes a rhythm, not a resolution.

Discipline Score

The tension: Good intentions fade. Without a measure of consistency, discipline has nothing to hold on to.
The response: A single Discipline Score captures how steadily you logged, saved, kept to budget and held your habits this month — rewarding rhythm, not perfection.
What changes: Behavioural improvement — money discipline becomes a habit you can actually measure.

Grow real wealth

See your wealth beyond just cash — goals, assets, investments, net worth.

Savings Goals

The tension: Saving “in general” rarely happens. There is always something this month that needs the money first.
The response: Set goals — emergency fund, school fees, land, a wedding — give each a deadline, and auto-allocate a slice of every income before life spends it.
What changes: Saving becomes automatic and visible — progress fills toward something real, not abstract.

Asset Tracking

The tension: Land, a house, a car, livestock, equipment, inventory — the things that hold real value are never counted in a normal finance app.
The response: Record long-term assets at acquisition and current value, watch unrealized gains, and sell when you are ready.
What changes: Asset growth over time — wealth measured properly, not just by what is in your wallet.

Browse how it works free — upgrade to add your assets and grow your net worth.

Investment Tracking

The tension: Your money is in UTT, DSE shares, a SACCO, fixed deposits, a side business — but there is no single place to see it all grow.
The response: Track unit trusts, DSE stocks, SACCO shares, fixed deposits, bonds and crypto in one dashboard — contribute, withdraw, revalue, close, and see realized against unrealized gains.
What changes: Investment visibility — finally see every place your wealth is working, in one view.

See the view free — upgrade to track what your money earns.

Goal → Asset Conversion

The tension: When you finally finish saving for a plot of land, counting both the savings goal and the asset double-counts your wealth.
The response: One tap turns a completed goal into a tracked asset on your net worth — no double-counting, no manual math.
What changes: The moment you reach a goal, it becomes wealth you own — cleanly.

Run your Chama like a pro

The module every other finance app skips — savings groups, done with dignity.

Contributions & Payouts

The tension: Chama, VICOBA and ROSCA money runs on notebooks and memory — and “whose turn is it?” turns into an argument.
The response: Record who paid what and when, set rotation schedules, and keep a clear payout history every member can see.
What changes: The same dignity and transparency a treasurer would write in a real book — without the lost notebook.

Internal Group Loans

The tension: Groups lend to their members, but interest and repayments get tracked loosely, and trust frays when records disagree.
The response: Issue loans with interest, record every repayment, and let members see only their own loans while admins see the whole picture.
What changes: Group lending that stays honest — nothing slips, and nobody has to take the numbers on faith.

Role-aware Controls

The tension: When everyone sees every control, treasurers, admins and members get confused about who can do what.
The response: Each role sees the controls that match it — no permission confusion, no accidental changes.
What changes: Clear roles, clear responsibility — the group runs the way it is meant to.

Stay on top of debt

Honest debt awareness — what you owe, and what is owed back to you.

Loan & Liability Management

The tension: Bank loans, SACCO loans, mobile loans, salary advances, money borrowed from family — debt is scattered, and due dates arrive as surprises.
The response: Track every kind of debt with its interest rate, repayment frequency and due dates, mark payments without recalculating principal, and see what is owed to you in the same place.
What changes: One screen that tells you what your debt actually costs — nothing slips, nothing surprises, and what is yours comes back.

Get coaching that understands you

Guidance grounded in your own numbers — not generic advice.

AI Coach

The tension: Generic financial advice cannot see your life, and numbers alone rarely change behaviour.
The response: Ask money questions in your own words and get answers drawn from your actual data — where your money goes, where you could save, and what to do next.
What changes: Useful guidance at the exact moment a decision happens.

Spending Anomaly Detection

The tension: By the time you wonder where the money went, it has already gone.
The response: The app flags spending that breaks your pattern — “you spent 3× your usual on transport this week” — while you can still respond.
What changes: You catch the drift early, not at month-end.

Income Forecasting

The tension: When income is uneven, planning ahead feels impossible and every tight month is a fresh panic.
The response: Mtu na Pesa predicts your likely income next month from your own history, so you can plan against it.
What changes: You plan instead of panic — even when the money arrives unevenly.

Weekly Briefings

The tension: Without a regular check-in, a small problem has all week to grow before anyone looks.
The response: Every Monday you get a short briefing on how last week went and what to focus on this week.
What changes: A steady weekly rhythm — you stay ahead of your money, not behind it.

Learn money — free for everyone

A curriculum, not a help center. Free on every plan, including Free.

Curriculum & Lessons

The tension: Most apps bury money education in a scattered help center no one finishes reading.
The response: Short, level-aware lessons — five to ten minutes each — across budgeting, saving, debt and investing, organised as a real curriculum.
What changes: Money skills you can actually build, with no paywall in the way.

Quizzes & Progress

The tension: Reading a lesson once rarely makes it stick, and there is no sense of how far you have come.
The response: Quizzes record your score and your progress fills as you move through each topic.
What changes: What you learn sticks — learn the skill, then use the app to put it to work.

Reminders that don't annoy

Only the nudges you ask for — and silence when you want it.

Smart Notifications

The tension: Most apps either spam you into muting them or stay so quiet you forget they exist.
The response: Turn on only the alerts you want — budget warnings, habit reminders, goal milestones, weekly summaries — and nothing else.
What changes: The reminders that help, none of the noise that doesn’t.

Quiet Hours

The tension: A 6am budget alert when you are sleeping in is the fastest way to lose a user.
The response: Set quiet hours and the app holds its notifications until you are awake.
What changes: Helpful by day, silent when you need it — on your schedule.

Ready when you are

See your whole financial life in one place.

Start free — the operating system is genuinely useful from day one. Upgrade when you’re ready to track investments, assets, and your net worth.

See pricing