Join Founding 50

Money tracker for Kenyan SME owners

Panga pesa kabla ikupange.

Hii doh ni ya biz ama ya home? TengaPesa separates your business and personal money, sorts every M-Pesa message into six simple buckets, and shows you where the month went.

Get Founding 50 · KES 1,500 Free budget sheet

50 founder spots · pre-sale closes Sat 24 Oct

M-Pesa first · built around your SMS Chama, SACCO & Fuliza · all tracked English + Sheng

Sound familiar?

Biz inaenda poa, lakini doh haionekani.

Most small business owners in Kenya run the shop and the home from one M-Pesa line. Sales come in, and by the 20th nobody can say where they went.

“Nitarudisha kesho.”

Biz money pays for home

Stock money becomes rent, school fees and dinner. The business looks busy but never grows.

“Fuliza tu kidogo.”

The Fuliza loop

Small loans to cover gaps, then fees on top. You pay for money you already earned.

“Pesa imeenda wapi?”

Month-end mystery

Charges, bundles and #Nilijipata moments add up quietly. You only notice when the balance is zero.

How it works

Ten seconds per message. Five minutes on Sunday.

  1. Log it from your SMS

    Every M-Pesa, bank or cash payment is one line: amount and category. No accounting words.

  2. Tenga: biz or home

    Each line drops into Biashara or one of your five personal buckets. The biz pays you a fixed Owner's pay.

  3. See the truth on Sunday

    Your dashboard shows biz profit, what's left for you, each bucket against plan, and every debt counting down.

The TengaPesa system

Kila bob ina kazi.

Six jobs for your money, built around how Kenyans actually spend.

Msingi
Rent, unga, fare, tokens, school fees
Kesho
SACCO, MMF, emergency fund, clearing loans
Jamaa
Black tax, chama, harambee, church
Matone
M-Pesa charges, Fuliza fees, bundles, subscriptions
Nilijipata
The unplanned ones. Noticed, never shamed.
Biashara
Business money, kept separate. It pays you a salary.

Month mbaya? Pay in this order: Msingi → Kesho → Jamaa → Matone → Nilijipata. Month poa? Jaza zote.

Try it: split your monthly pay

Type what the business pays you each month (your Owner's pay) or your salary.

A starting split, not advice. Adjust it to your rent, family and goals inside the tracker.

Pre-sale · Founding 50

Tenga doh yako before January.

  • TengaPesa Biashara Tracker (Google Sheets) with dashboard, debts and year view
  • Printable Money Journal for weekly check-ins
  • Live “Tenga Your Money” workshop plus the recording
  • Founders' WhatsApp community for 3 months
  • First access + founder price when the app launches
KES 1,500KES 2,500

Our promise: if fewer than 20 founders join by Sat 24 Oct, everyone gets a full refund to M-Pesa.

Reserve your founder spot

Takes 30 seconds. The payment step comes right after.

When the app launches

Priced like bundles, not like banks.

Pay weekly, monthly or yearly through M-Pesa. Founders lock in a lower price.

Weekly

KES 50 / week

Try it the way you buy data.

Monthly

KES 150 / month

Personal buckets, debts and reminders.

Yearly

KES 1,200 / year

Pay once, save KES 600.

For SME owners

Biashara

KES 350 / month

Biz + personal, owner's pay, profit view.

Join the app waitlist

We'll tell you first when the app is ready.

Free 1-page budget sheet

The six buckets on one printable page. Start today, even before you buy.

Chamas, SACCOs & employers

Bring TengaPesa to your members.

Group pricing, a live workshop for your members, and a tracker set up for your chama or staff. Ideal for SACCO member education and staff wellness days.

Partner with us

Maswali

Questions people ask

Does it connect to my M-Pesa automatically?

Not yet. For now you log each payment from your SMS, which takes about 10 seconds. Uploading your M-Pesa statement is planned for the app.

I don't run a business. Is it for me?

Yes. The five personal buckets work for anyone with a salary or side hustle. Join the waitlist for the Monthly or Weekly plan.

Do I need a laptop?

No. The tracker opens in the free Google Sheets app on your phone. A laptop just makes the dashboard bigger.

What if not enough people join?

If fewer than 20 founders join by Sat 24 Oct, everyone gets a full refund to M-Pesa.

Is my money data safe?

Your tracker is your own copy in your own Google account. We never sell your data, and you can delete it any time.

Is this financial advice?

No. TengaPesa is a money-tracking tool. For investment, tax or legal decisions, speak to a licensed professional.

How do I reach you?

Email hello@tengapesa.co.ke, , or DM us on Instagram, TikTok or Facebook. We reply within 2 working days.