Bookkeeper
Every shilling. Every member. One ledger.
Contributions, loans and welfare that always balance — with M-Pesa payments recorded for you.
From KES 150/month · Pay by M-Pesa · Cancel anytime
Our Partners
Who It's For
Pick your path.
One group or a hundred — there's a plan built for you.
I run a group
Your members, money and meetings — sorted.
Savings, loans, welfare and M-Pesa in one ledger. No more reconciling by hand.
- Chamas
- Welfare groups
- Investment clubs
- SACCOs
- VSLAs
- Community groups
I manage many groups
See every group. Report in minutes.
One account for all your groups, programmes and funding — each group keeps its own book.
- NGOs
- CBOs
- Federations
- SACCO networks
- Development programs
- Institutions
About Us
Your group already works. Now the books will too.
The problem isn't discipline. It's one book in one person's handwriting, and M-Pesa messages matched to names the night before a meeting.
Kitabu Yetu puts members, money and payments in one place — in books that always balance.
No contract
Pay monthly. Stop any time.
All by M-Pesa
Your subscription and your members’ contributions.
Made for chamas
Not a business tool squeezed to fit.
- Tools, one login
- 4
- Types of groups served
- 6
- Bookkeeper from, per month
- KES 150
- Chama Reminder from, per month
- KES 100
The Problem
Still running the group from a notebook?
Today
- A notebook only the treasurer can read
- M-Pesa messages on five officials' phones
- Recalculating at every meeting
- Reports take days
- Balances taken on faith
With Kitabu Yetu
- One ledger every official can see
- Payments matched automatically
- The system does the maths
- Reports in minutes
- Every member checks their own
Our Products
Four tools. One login.
Your group's books, balanced.
Run your whole group — members, money and reports — in books that always balance.
- Contributions, loans, welfare and shares
- Collect and pay out by M-Pesa
- Statements, reports and a record of every change
Members reminded, automatically.
Keep members informed and contributions on time — no bookkeeping needed.
- Contribution and meeting reminders
- Group announcements by SMS
- Runs standalone, or alongside Bookkeeper
Fundraising people can trust.
Public M-Pesa campaigns for causes and projects, checked by us before they go live.
- Shareable campaign pages with a running total
- Donations by M-Pesa, recorded automatically
- No monthly fee — 4% when you withdraw
Oversight without overreach.
Oversee many groups and programmes from one place — each keeps its own book.
- Multi-group and multi-organization dashboards
- Programs, funding and disbursements to the groups you back
- Organization reports and a full audit log
Our Communities
Made for how your group already works.
From a VSLA meeting under a tree to a youth group that lives on WhatsApp.
Women's savings groups & VSLAs
The savings, the loans and the social fund — in one ledger.
Meet the way you always have. The record lives in one shared book.
- Record cash by hand — M-Pesa payments record themselves
- Loans, repayments and welfare tracked member by member
- Every member checks her own balance
Youth groups & young members
For groups that already run on their phones.
Pay by M-Pesa, get SMS reminders, check your balance. No chasing the treasurer.
- An M-Pesa prompt to contribute or repay, straight to the phone
- Contribution reminders that go out on their own, by SMS
- Officials manage the group — members see only their own record
How It Works
Member pays. Books update. Done.
No evening of matching M-Pesa messages to names.
Treasurers get their evenings back.
- 1
Member pays by M-Pesa
The way they already send money.
- 2
Payment is matched
Linked to the right member automatically.
- 3
Books update
Balanced and confirmed by SMS. Done.
For Every Member
No more “nisaidie na balance yangu.”
Members check their own savings, loans and statements. Fewer questions at meetings. Treasurers get their evenings back.
What they have saved
Savings totals, updated the moment they pay.
What they still owe
Loan balance and the next payment due.
Their own passbook
Every transaction, any time.
Statements they can keep
Download it themselves — no need to ask.
Savings goals
Set a target and watch progress.
Paying from their phone
A payment prompt on their phone to contribute or repay.
Security & Trust
Built for money that belongs to many.
Trust is the whole point. Every control below is live today.
Role-based access
Everyone sees and does only what their role allows.
Two approvers
Large payouts and write-offs need a second official’s sign-off.
Every change recorded
Who changed what, and when — always on record.
Private to your group
No other group can ever see your members or money.
Two-factor for staff
Staff sign in with a one-time code, not just a password.
Real M-Pesa
Payments go straight through M-Pesa — no middlemen, no workarounds.
Ecosystem
Clean records open doors.
Your track record connects you to funding, partners and markets beyond your savings.
Funding
Donors and partners for group projects.
Financial products
Loans and insurance for groups and members.
Professional knowledge
Guidance on finance, farming and governance.
Markets & services
Buyers, suppliers and services for your projects.
Build your track record
Clean records prove what your group can do.
Run the group today. Grow it tomorrow.
Changi$ha
Campaigns you can support today.
Checked by Kitabu Yetu. Give by M-Pesa. Donors pay nothing extra.
Get In Touch
Get a free call-back
Tell us about your group. We'll call and recommend the right plan.
Testimonials
Trusted by treasurers and chairs
Kitabu Yetu has been a game changer for accountability and transparency in our group.
Ezra WekesaCoordinator, Munyali Ukulima Self Help GroupIt has made mobilizing our members much easier and managing the group more efficient.
Bernard KisakaMusikoma Home Owners Welfare AssociationManually updating contributions is a thing of the past.
Meeting attendance has improved and timely contributions are becoming the norm.
From The Blog
Guides for the people who run groups.
Guide2 Oct 2026
How to Register a Chama in Kenya After the 2026 Court Ruling
Register your chama with the Social Development office: who must register, documents, fees and steps, plus what the 2026 High Court ruling changes.
Read moreEducation18 Sept 2026
A Member's Guide to Loan Interest and Repayment Terms
Understanding how loan interest works helps members make informed borrowing decisions. This guide explains the basics of interest rates, repayment schedules, and what to expect.
Read moreBlog18 Sept 2026
5 Financial Best Practices Every Community Group Should Follow
Strong financial management builds trust and ensures sustainability. Here are five proven practices for community groups managing shared finances.
Read more
FAQ
Questions groups ask us first.
Still unsure? Ask us on WhatsApp — we speak treasurer.
Which product should we start with?
Chama Reminder if you only need to reach members. Bookkeeper if you also need to keep the money records.
Is M-Pesa included?
Yes, on every plan. Members pay through a prompt on their phone or your PayBill, and payouts go straight to their M-Pesa.
Can members pay by something other than M-Pesa?
Yes. Record cash, bank or cheque by hand. M-Pesa payments record themselves.
Can we bring in our existing records?
Yes. Bring your members and past contributions in from a spreadsheet on any plan.
Can another group see our group's records?
No. Your records are locked to your group — no one else can see them.
Is there a free plan or a lock-in?
Neither. Pay monthly by M-Pesa and change or stop any time.
Walk into your next meeting with the books already balanced.
Set up in minutes. Bring your old records with you.
Bookkeeper from KES 150/month · Chama Reminder from KES 100/month · View pricing
Month to month · Pay by M-Pesa · Cancel anytime