SACCO / Chama Treasurer
Run the money side of a SACCO, chama or investment group — track members and contributions, appraise loans, keep clean books, and produce the statements and minutes members trust.
Members & contributions
Chama
FreeOne honest set of books your whole chama can see — contributions, merry-go-round payouts, loans and a shared ledger.
Open →M-Pesa Statement Analyzer
PremiumUpload your M-Pesa CSV and see exactly where your money went — categories, top merchants and monthly trend.
Open →M-Pesa Fee Calculator
FreeSend fees, withdrawal fees, and the cheapest way to move any amount.
Open →Loans & appraisal
SACCO Loan & Dividend Calculator
FreeWhat will my SACCO loan cost, and what will I earn? Work out a loan repayment (reducing-balance or flat rate) with total interest, and estimate your dividends on shares and interest (rebate) on deposits.
Open →Loan & EMI Calculator
FreeMonthly payment, total interest and a full amortization schedule for any loan.
Open →Debt Payoff Calculator
FreeSnowball vs avalanche — compare total interest paid, payoff date and month-by-month schedule for any debt stack.
Open →Books & statements
Financial Statements Generator
PremiumEnter your figures — or import a CSV, Excel or PDF with AI — and get a clean balance sheet and income statement, computed live and Kenya-ready.
Open →Budget Tracker
FreeSee where your money goes and keep more of it — spending by category, the 50/30/20 split, multi-currency and fully private.
Open →Compliance Checker — obligations & deadlines
FreeDescribe your business — type, staff, sector, county, VAT status — and see exactly which Kenyan statutory obligations apply (PAYE, SHIF, NSSF, Housing Levy, VAT, Turnover Tax, eTIMS, county permits), when each is next due, the penalty for missing it, and your overall compliance risk.
Open →Governance & records
Meeting Minutes Generator
PremiumClean, structured minutes — attendance, deliberations, resolutions and action points, ready to sign off.
Open →Board Resolution Generator
PremiumA proper written resolution of the directors — to open a bank account, appoint a signatory, or authorise any act.
Open →Notice Generator
PremiumAn official notice or announcement — clear, dated and signed off on your letterhead.
Open →Invite to Sign
PremiumSend a document for online signature — invite people by email, they sign in the browser, everyone gets the completed PDF with an audit trail.
Open →Templates for your desk
Ready-to-use Excel & Google Sheets workbooks, built for Kenya.
Chama / SACCO Ledger
Contributions, loans with interest, and every member's balance — in one book.
VSLA Ledger & Share-Out Engine
Record shares, pool the interest, and split the fund fairly — every member's payout is their shares × the value per share.
Investment-Club Unit-Valuation Tracker
Issue units at the prevailing price so equity reflects amount and timing — the accepted end to investment-club disputes.
Loan & Debt Tracker
List your loans; real monthly payments, total interest and which to clear first — worked out.
Not sure where to start? Ask Mjuzi.
Say what you need in your work as a sacco / chama treasurer — Mjuzi finds the right tool and guides you.
Ask Mjuzi