Available on iOS & Android

Budget smarter.
Live better.

Africa's first AI-powered household budget manager. Track spending, crush savings goals, and build wealth — all from your phone.

Download on App Store See Features

Good morning,

Tony 👋

Remaining this month

KES 47,200

💳Wallet

📊Analytics

🔔Bills

🎯Goals

💡 Automate savings via M-Pesa lock savings or a standing order.

💡 You're on track! KES 2,360/day remaining.

Features

Everything you need to
master your money

Built for Kenyans. Designed for Africa. Powered by AI that understands your financial reality.

✨

AI Budget Advisor

Conversational AI that knows your spending, understands M-Pesa, SACCOs, and gives personalised advice in real time.

📊

Smart Analytics

Visual spending breakdowns, trend analysis, and a 100-point budget health score that keeps you accountable.

🎯

Savings Goals

Set targets for anything — emergency fund, holiday, school fees. Track progress with visual milestones.

👥

Community & Mchango

Create groups, track contributions transparently, split bills, and manage family finances together.

🔔

Bill Reminders

Never miss a payment. Automated alerts for rent, utilities, subscriptions — with recurring bill tracking.

🎁

Gift Vouchers

Send redeemable gift vouchers for birthdays, weddings, graduations — for airtime, electricity, and more.

How it Works

Up and running in 2 minutes

No bank account needed. No paperwork. Just download and start budgeting.

Download

Get Mteja Smart free on the App Store or Google Play.

Set Your Budget

Enter your income and customise spending categories that matter to you.

Track Daily

Log expenses as they happen. AI gives you daily insights and warnings.

Grow Wealth

Watch your savings grow. Get investment tips tailored to Kenya's market.

Our Story

Built in Nairobi.
Made for Africa.

Mteja was born from a simple frustration: why is managing household money so hard in Africa? Banks charge too much, apps don't understand our reality, and financial literacy tools ignore M-Pesa, chamas, and the hustle.

We're building the financial companion every African household deserves — AI-powered, culturally aware, and completely free.

50/30/20

Budgeting framework

KES 0

Cost to use

🏦 Kenya-First

M-Pesa, SACCOs, KRA, SHIF — we speak your financial language.

🔒 Privacy by Design

Your data stays on your device. Compliant with Kenya DPA 2019.

✨ AI That Cares

Not just numbers. Personalised advice that understands your life.

💛 You Never Walk Alone

Community features for groups, family, mchango, and support.

Pan-African

Designed for 9 markets
and growing

Multi-currency support out of the box. From Nairobi to Lagos, Accra to Cairo.

🇰🇪 Kenya (KES) 🇳🇬 Nigeria (NGN) 🇬🇭 Ghana (GHS) 🇺🇬 Uganda (UGX) 🇿🇦 South Africa (ZAR) 🇪🇬 Egypt (EGP) 🇲🇦 Morocco (MAD) 🇨🇮 UEMOA (XOF) 🇺🇸 USD

Budget smarter.Live better.

Everything you need tomaster your money

Up and running in 2 minutes

Built in Nairobi.Made for Africa.