Mtu na Pesa

MTU NA PESA — your personal wealth operating system for East Africa.

Most apps tell you what you spent after the money is gone. Mtu na Pesa flips
that around. Before a single shilling leaves, you decide how every shilling
should work — needs, wants, savings, giving, and flexible spending. You move
from daily shillings to lasting wealth, one intentional decision at a time.

NOT JUST AN EXPENSE TRACKER
Tracking is the starting line, not the finish. Mtu na Pesa takes you up the
ladder: Track → Discipline → Grow → Intelligence.

WHAT YOU CAN DO
• Allocate income across budget envelopes (needs, wants, savings, giving, flex)
• See your Discipline Score — a clear picture of your financial habits
• Set and reach savings goals, then turn them into real assets
• Track multiple accounts: cash, mobile money, bank, savings, investments
• Record income and expenses in one tap
• Track loans — money you borrowed and money others owe you
• Build net worth with assets and investments, watched over time
• Save with groups (Chama / VICOBA) the way East Africa actually saves
• Learn with a built-in money curriculum and short lessons
• Get AI Coach insights and personalized suggestions
• Generate clear reports and export them to your device
• Light and dark mode, with a calm, focused design

BUILT FOR EAST AFRICA
Mtu na Pesa understands how money really moves here — across mobile money,
banks, and cash, and through group savings like Chama and VICOBA. Multi-account
and multi-currency from day one.

DESIGNED FOR FOCUS
No noisy dashboards. No clutter. Just clear typography, generous space, and
visuals that show you exactly what matters — so managing money feels calm and
intentional, not stressful.

WHO IT'S FOR
• Anyone tired of being surprised by their balance
• Salaried workers committing to a savings discipline
• Freelancers and business owners with variable income
• Groups and Chama members saving together

PRIVACY FIRST
Your financial data is yours. We do not read your SMS messages. We ask only for
the permissions the app genuinely needs.

Start treating your money with the intention it deserves.

Support: hello@mtunapesa.co.tz
Website: https://mtunapesa.co.tz
Terms: https://mtunapesa.co.tz/terms
Privacy: https://mtunapesa.co.tz/privacy