Income & expense tracking
Log money in and out in three taps — built for mobile money, bank, and cash.
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.
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
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.
01
Track your money
The daily foundation — every shilling in, every shilling out.
Income & Expense Tracking
- The tension
- Money moves through M-Pesa, Tigo Pesa, Airtel Money, bank, and cash — and by month-end no one can say where it actually went.
- The response
- Log income and expenses in three taps. Smart categories learn your patterns, so a scattered financial life becomes one calm, structured feed.
- What changes
- Daily financial awareness — you finally see your money clearly enough to make better decisions.
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 — and let the system 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.
02
Manage what you owe
Honest debt awareness — and what is owed back to you.
Loan Management
- The tension
- Bank loans, SACCO loans, mobile loans, money borrowed from family — debt is scattered, and due dates arrive as surprises.
- The response
- Track loans you took, debts you are repaying, and money others owe you. Repayment progress bars and quiet due-date reminders keep every balance honest.
- What changes
- Debt awareness and discipline — nothing slips, nothing surprises, and what is yours comes back.
03
Grow real wealth
See your wealth beyond just cash — investments, assets, net worth.
Investment Tracking
- The tension
- Your money is in UTT, DSE shares, a SACCO, a plot of land, 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 built for African realities.
- What changes
- Investment visibility — finally see every place your wealth is working, in one view.
Asset Tracking
- The tension
- Land, a house, a car, equipment, a business — the things that hold real value are never counted in a normal finance app.
- The response
- Record long-term assets and their value, and watch them shape your true financial position over time.
- What changes
- Asset growth over time — wealth measured properly, not just by what is in your wallet.
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.
04
Intelligence & discipline
The system that turns data into better behaviour.
AI Financial Insights
- The tension
- Generic financial advice cannot see your life. Numbers alone rarely change behaviour.
- The response
- Your AI companion analyses spending patterns, recommends savings moves, flags budget drift, and writes plain-language summaries — all from your own data.
- What changes
- Personal financial intelligence — useful guidance at the exact moment a decision happens.
Financial Discipline System
- The tension
- Good intentions fade. Without a measure of consistency, discipline has nothing to hold on to.
- The response
- A personal Discipline Score, habit streaks, and consistency tracking reflect how steadily you live your plan — and reward rhythm, not perfection.
- What changes
- Behavioural improvement — money discipline becomes a habit you can actually measure.
Personal & Business Modes
- The tension
- Side hustles, a small business, freelance income, family money — all of it tangled into one confusing picture.
- The response
- Separate modes keep personal, family, and business finances organised — without ever mixing them up.
- What changes
- Your entire financial life, organised — one operating system for every part of it.
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.