AI-assisted categorization and insights

Financial clarity for every kind of team.

One platform to manage income, expenses, budgets, debts, assets and reporting — for individuals, freelancers, SACCOs, NGOs and growing businesses. Fully isolated per tenant. Built for East Africa, ready for the world.

No credit card. UGX, USD, EUR, GBP supported.

app.smartfinance.io / overview
Net worth
UGX 42.8M
+12.4%
This month income
UGX 8.2M
+3.1%
This month expenses
UGX 5.6M
-4.8%

Everything your finances need, nothing they don't.

From the first transaction to a full annual report, with the controls a growing organization expects.

Accounts & ledger

Cash, bank, mobile money and SACCO accounts unified in one transaction ledger.

Budgets & reporting

Department, category and annual budgets with variance tracking and exportable reports.

Net worth engine

Assets, investments and savings minus liabilities — tracked month over month.

AI assistant

Automatic categorization, spending insights and a financial health score.

Multi-tenant

Strict data isolation between organizations with row-level security.

Enterprise security

RBAC, MFA, audit trails and password leak protection by default.

Built for the way East Africa works.

Mobile money first. Multi-currency. Strict member-level access. Whether you're a freelancer tracking invoices or a SACCO managing thousands of contributions, the data model fits.

Individuals
Freelancers
Families
Small businesses
SACCOs
NGOs

Start free. Grow when you're ready.

Free tier for individuals. Standard for small teams. Professional unlocks AI. Enterprise is fully tailored.