Smart money allocation
Set up your budget in about two minutes. Tell your money where to go—Needs, Savings, Investment, Charity, Fun. Every shilling gets a job. When you record income, the app shows how to split it from your plan.
MTU NA PESA
Personal finance
Mtu na Pesa is your personal financial operating system. Track income, manage expenses, set savings goals, and build financial discipline—all in one app.
Private · Secure · No ads · No data selling
The gap
If that resonates, you are not careless—you are human. The missing piece is usually a calm system, not more willpower.
I earn money but I don’t know where it goes.
I try to save but something always comes up.
I don’t feel in control of my finances.
I want discipline but budgeting feels complicated.
The system
Track income, categorize expenses, follow allocation discipline, and let saving habits form naturally—without spreadsheet chaos.
Step 1
What you earn
Step 2
Every expense labeled
Step 3
Guided by your plan
Step 4
Discipline that compounds
Income flows in → spending is categorized → allocation keeps you balanced → habits strengthen over time.
Onboarding
No confusing setup—six simple steps. We learn how you earn, suggest a split, and get your first goal in place so you can start immediately.
Start from the real number—no guesswork before the plan begins.
Salary, freelance, or mixed—so suggestions match how money actually hits your accounts.
We suggest an allocation based on your situation. You stay in control of every percentage.
Emergency fund, travel, a new phone—choose what matters first and see progress from day one.
The shell is set; logging income and expenses stays as simple as three taps.
The full onboarding flow is designed to respect your time—clarity without a tutorial marathon.
Takes less than 2 minutes—then you are tracking for real.
Allocation
Tell every shilling where to go—Needs, Savings, Investment, Charity, Fun. Set your plan once; when income is recorded, the app shows how to split it.
Example starting balance
Percentages are illustrative defaults—adjust every category in the app to match your life.
Core features
Allocation, tracking, goals, loans, analytics, budgets, AI, notifications, multi-account, and export—aligned with how the app actually works.
Set up your budget in about two minutes. Tell your money where to go—Needs, Savings, Investment, Charity, Fun. Every shilling gets a job. When you record income, the app shows how to split it from your plan.
Record income and expenses in three taps—amount, category, save. Date-grouped lists show your history at a glance. Multiple accounts: Cash, Bank, and Mobile Money.
Set goals like Emergency Fund, Travel, or a new phone. Visual progress bars, deposits and withdrawals anytime, and a clear view of what is left to hit your target.
Track money you have borrowed or lent. Record repayments, watch balances fall, and get reminders when payments are due—so you never forget who owes you, or who you owe.
Pie charts show where money goes. Compare income vs expenses and savings rate. Filter by month or a custom range. Export as CSV, Excel, or PDF.
Set limits per category—Food, Transport, Housing, and more. Warnings when you are close to the cap, and a clear view of what is on track vs what needs attention.
Ask about your spending in plain language. Personalized insights from your real data, weekly summaries, and suggestions to improve habits.
Morning nudges to log expenses, budget alerts near limits, savings milestones, loan due dates, and weekly financial summaries.
Cash, Bank, and Mobile Money in one place. See balances per account and pick the right one for each income or expense.
Export anytime: CSV for spreadsheets, Excel for formatted reports, PDF for printing—with filters for date range and transaction type.
Deeper feature walkthrough for analytical readers—problem, solution, and benefit for each cluster.
Inside the app
Screens stay quiet on purpose—so you see what matters, act quickly, and return to your day without noise.
Overview
Balance
This month
—
Income
+
Spent
−
Recent
Insights
Spending pattern (illustrative)
Your split
Outcomes
The app does not promise overnight wealth. It supports the quiet work—logging, reviewing, adjusting—that serious change is built from.
Security & privacy
Trust
Your money data deserves the same rigor as banking software—without turning the app into a billboard.
Official policies for the finance product are published on our finance portal: Privacy · Terms · Data deletion. This marketing site also mirrors Privacy, Terms, and Data deletion for convenience.
Pricing
Core tracking and allocation stay free. Premium unlocks AI, exports, unlimited goals and accounts, category budgets, and priority support.
Everything you need to get disciplined with your money.
For power users who want AI, exports, and full flexibility.
Subscription details and pricing are shown in the App Store and Google Play listings.
Most people feel their money disappears without knowing where it went. Mtu na Pesa changes that.
Download Mtu na Pesa and start building financial discipline today.
Answers about security, budgeting, expense tracking, and how MTU NA PESA supports personal finance discipline. For the full list, see our FAQ page.
Yes. Core features are free. Premium adds the AI assistant, data export (CSV, Excel, PDF), unlimited savings goals and accounts, category budgets, and priority support—via subscription in the app.