Is Mtu na Pesa free?
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.
FAQ
Questions, answered calmly
Security, privacy, how allocation works, and who MTU NA PESA is for—structured so you can scan what matters to you.
Pricing & plans
Free vs Premium at a glance.
Security
How we protect what you trust us with.
Is my financial data safe?
Yes. We use bank-grade encryption, secure token storage on device (Keychain / Keystore), and industry-standard password hashing—never stored in plain text. Your data is private and only accessible by you. Biometric sign-in (Face ID / Touch ID) is supported where available.
Privacy
What we do—and do not do—with your information.
Do you sell my financial data or show ads?
No. Mtu na Pesa does not sell your financial records for marketing, and the experience is not ad-supported.
Using the app
Currencies, export, AI, loans, and business use.
Can I use it for my business?
Yes. You can manage personal and business money in one app. Create separate accounts for each so reporting stays clear.
What currencies are supported?
Tanzanian Shilling (TZS), US Dollar (USD), Kenyan Shilling (KES), and Ugandan Shilling (UGX). The app is built for Tanzania’s landscape—including Mobile Money (e.g. M-Pesa), banks, and cash.
Can I export my data?
Yes—on Premium. Export as CSV, Excel, or PDF anytime, with filters for date range and transaction type.
How does the AI assistant work?
Ask questions in plain language—for example, “How much did I spend on food this month?”—and get answers from your actual records, plus weekly summaries and habit suggestions.
Can I track loans?
Yes. Track money you have borrowed or lent, log repayments, see balances update, and get reminders when payments are due.
Can I customize categories?
Yes. Add your own income sources and expense categories while keeping allocation and budgets structured.
How allocation works
Structured budgeting without overwhelm.
Can I change allocation later?
Yes. Adjust your split anytime; the app updates guidance when income is recorded so the plan stays realistic.
How can I track personal expenses without spreadsheets?
Log purchases and bills as they happen. Mtu na Pesa keeps income, expenses, categories, and accounts in one place so you always see where your money goes.
How do I manage salary money more effectively?
Use smart allocation: assign Needs, Savings, Investment, Charity, and Fun before you spend. The app applies your percentages when income arrives so you see what is safe to spend and what is protected.
What is percentage-based budget allocation?
You assign a share of income to each purpose before spending. Mtu na Pesa uses your plan so every shilling has a job and you can refine it as life changes.
Habits & discipline
Turning structure into lasting change.
How can I build saving discipline?
Use savings goals with visible progress, category budgets, and reminders. Consistency matters more than perfection—small deposits add up.
Who it is for
Built for real lives in Tanzania and beyond.
Who is MTU NA PESA for?
Tanzanian youth, SMEs, freelancers, and anyone who wants disciplined, clear money management—without spreadsheet chaos.
Still deciding?
Download when you are ready—there is no pressure pitch, only structure.