Run your chama/group like a real bank. Without becoming one.

Contributions, loans, meetings and merry-go-round payouts in one place. Record every M-Pesa, bank and cash payment on a ledger your whole group can see — and nobody can quietly change.

Start Your 1-Month Free Trial

One app for everything
your chama/group does

Whether you run a group of 50 or just joined your first merry-go-round, Chandaa gives you a clearer way to manage every shilling.

For chamas/groups

Replace the notebook, WhatsApp and Excel with one source of truth. Every contribution, loan and payout — M-Pesa, bank or cash — on one ledger.

Move Your Group Over

For individuals

Joined by invite link, or find a chama/group and ask to join. See your contributions, loans and payout turn anytime — no more asking the treasurer.

Create Your Account

Works for chamas/groups like yours

Savings circles

Weekly or monthly

Set the amount and how often members contribute. Record fines, joining fees and emergency top-ups on their own lines, and every member sees exactly where they stand.

Tracks
Arrears & fines
Balances
Per member
Plan
Basic
Chandaa features
Contribution cycles · Fines · Member statements

Works with the money you already use

Keep your group’s M-Pesa, bank account and cash box — Chandaa tracks a balance for each. The treasurer records every payment in and every payout, loan and expense out, members get a receipt by email, and every shilling lands in one ledger your auditor can follow.

See What’s Coming

Set the rules once.
Apply them to everyone.

Contribution amounts, payout order, loan limits, interest and penalties — agree them once, and Chandaa applies them to every member the same way, every cycle. No favourites, no arguments.

  • Loans checked against your limits before anyone can approve them
  • Every loan and expense needs an official’s approval before money moves
  • Members get an email receipt the moment their payment is recorded
Set Up Your Group

From first contribution to final payout

  1. Create or join in minutes. Sign up with your email, start a chama/group, and invite members with a link. Add the M-Pesa, bank and cash accounts your group already uses.

  2. Record every payment. Members pay by M-Pesa, bank or cash as usual. The treasurer logs it with its reference, and the member gets a receipt by email.

  3. Track everything in real time. Cycle progress, member balances, loan repayments, expenses. No more spreadsheets, no more arguments.

  4. Settle payouts on the record. Chandaa works out whose turn it is and how much is due. Pay out the usual way, mark it paid, and the whole group sees it.

One price for the whole chama/group.

Not per member, and no transaction fees. We charge for the software, never for your group’s money. Pay yearly and get 2 months free.

Basic

$1 / KES 129 per month

1-month free trial

For a single chama/group finding its feet.

Start 1-Month Free Trial
  • 1 chama/group, up to 30 members
  • Contributions, fines & merry-go-round
  • Meetings, attendance & minutes
  • Investment tracking
  • Expenses with approval
  • Email receipts for members
  • 2 GB document storage
Full toolkit

Pro

$4 / KES 516 per month

14-day free trial

The full app, across as many chamas/groups as you run.

Start 14-Day Free Trial
  • Everything in Basic
  • Unlimited chamas/groups, up to 50 members each
  • Loans: rules, schedules & interest
  • Multi-currency contributions
  • 5 GB document storage

Enterprise

Let’s talk Priced for your group

Onboarding with our team

For Saccos, federations and large groups.

Talk to Us
  • Everything in Pro
  • Unlimited members
  • PDF & CSV statements and ledgers
  • Your own logo and colours
  • API access
  • 50 GB document storage
Chandaa never holds your money · Ledger entries can’t be edited or deleted · Every action is audit-logged

Coming soon What’s next for Chandaa

Today you record M-Pesa, bank and cash payments yourself. Next, we’re cutting the admin even further.

  • M-Pesa sync
  • Android & iPhone apps
  • Bank sync
  • SMS & WhatsApp receipts
  • Automatic reminders
Get Early Access

Bring your group
into 2026

Set up your chama/group, invite your members, and record your first contribution today.

Start Your Free Trial Chat on WhatsApp (opens in a new tab)
  • 1-month free trial on Basic
  • One price for the whole group
  • No transaction fees

Frequently asked questions

Have some questions? We’ve got you covered.

Is my group’s money safe?
Chandaa never holds your money. It stays in your group’s own M-Pesa, bank account or cash box — Chandaa is the record of it. Entries can’t be edited or deleted; a mistake is corrected with a visible reversal, and every action is kept in an audit log the whole committee can check.
Does Chandaa connect directly to M-Pesa or my bank?
Not yet. Today the treasurer records each payment with its method and M-Pesa or bank reference, and Chandaa keeps a separate balance for your M-Pesa, bank and cash. Automatic M-Pesa and bank sync is on our roadmap — see “Coming soon” below.
Do members need smartphones?
No. Members pay the way they already do — M-Pesa, bank transfer or cash — and the treasurer records it. Members with an email address get a receipt, and anyone with a phone or computer can log in to see their own balance. SMS and WhatsApp receipts are coming soon.
What does it cost?
Basic is $1 (KES 129) a month with a 1-month free trial, and Pro is $4 (KES 516) a month with a 14-day trial. Enterprise is priced for your group — contact us and we’ll work it out together. The price is for the whole chama/group, not per member, and we never take a cut of your group’s money.
Can we use it for a Sacco?
Yes. Pro covers groups of up to 50 members per chama/group. Enterprise has no member limit and adds PDF and CSV statements, your own branding and API access. Contact us and we’ll help you set it up.
How does the merry-go-round work?
Pick your rotation once — in order, random draw, bidding or merit. Each cycle, Chandaa works out the pot and whose turn it is. When the treasurer pays out, they mark the payout as paid, and everyone sees it in the ledger. Skipped turns are tracked too.
Can members take loans?
Yes, on Pro and Enterprise. Set your rules — interest rate, maximum term, a limit such as 3× a member’s savings, and how far behind on contributions someone can be. Members request a loan, an official approves it, and Chandaa builds the repayment schedule and adds interest and late penalties.
Start Your Free Trial