Finance & Accounting · 🏘️ Real Estate & Property

The free shop app — record sales by voice, text or photo, import the spreadsheet or M-Pesa statement you already keep, and see profit, targets, stock, costs and who owes you. An AI that knows your shop.

Enter 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.

See where your money goes and keep more of it — spending by category, the 50/30/20 split, multi-currency and fully private.

Send fees, withdrawal fees, and the cheapest way to move any amount.

Who paid, who shares what — fewest payments to settle up.

Target, date, running total — how much to save each week to hit it on time.

7 unit types + live currency.

Monthly payment, total interest and a full amortization schedule for any loan.

An interactive, teaching-grade discounted cash flow model — forecast free cash flow, discount at WACC, add a terminal value, and get value per share, with a live WACC × terminal-value sensitivity table. Free; opens on a fully worked example.

VAT at any rate with country presets, plus PAYE and take-home pay estimate.

Gross to net — PAYE, SHIF, NSSF, Housing Levy and HELB broken down plainly.

Income target, costs and available days → floor rate, recommended rate, hourly equivalent.

Any finance or economics number you need, in one place — 40+ region-aware calculators with every assumption shown.

Upload your M-Pesa CSV and see exactly where your money went — categories, top merchants and monthly trend.

Snowball vs avalanche — compare total interest paid, payoff date and month-by-month schedule for any debt stack.

PAYE, VAT, turnover tax, withholding and rental income tax — all the current KRA rates in one place, with a PDF for your accountant.

Missed a KRA deadline? Work out the late-filing penalty, the 5% late-payment penalty and the 1%-per-month interest for PAYE, VAT, income tax, Turnover Tax, rental or excise — itemised, so you know exactly what you owe.

What 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.

Reconcile your cashbook to your bank statement — add unpresented cheques, deposits in transit, bank charges and direct credits, and see the adjusted balances and whether they match.

What stamp duty you'll pay on a Kenyan property transfer (4% urban / 2% rural) plus the full transaction cost — exportable report.

Your SHA contribution (2.75% of gross, salaried or self-employed) and a plain-English guide to what replaced NHIF.

Total landed cost of an import into Kenya — duty, IDF, RDL, excise and VAT, itemised. Built for traders and clearing.

How many electricity units your money buys — editable KPLC tariff card, both directions, full breakdown.

Fuliza vs M-Shwari vs KCB vs apps vs SACCO — the same loan, ranked by an honest effective APR.