Know if your business is making or losing money

Yes, during beta it's completely free. We haven't decided on long-term pricing yet. Our goal is to keep core bookkeeping accessible and affordable for small businesses, but we're honest that we're still figuring out the sustainable model.

We take data security seriously. Your data is encrypted and stored securely, and we never share your information with third parties. You can export or delete all your data at any time. As an early-stage product, we are working toward full compliance with Kenya's Data Protection Act but are not yet registered with the ODPC.

No. Mafanikio works entirely inside WhatsApp — the app you already use every day. No separate downloads, no passwords. You'll answer a few quick setup questions (language, business name, business type) and you're ready to go.

Mafanikio tries to check your M-Pesa balance from each screenshot. If the numbers don't add up, it lets you know some transactions may be missing. You can add them later or let Mafanikio note the gap. This balance-checking feature is still being refined during beta.

English and Kiswahili. You choose your preferred language when you start, and you can switch anytime.

Yes! Mafanikio keeps two separate books — one for your business and one for personal spending. You see both, plus a combined view showing your total household savings. For every transaction, just tell Mafanikio if it's business or personal.

Right now, Mafanikio works with Personal M-Pesa — you send screenshots and we handle the rest. In the future, we'd like to explore Pochi la Biashara detection and direct M-Pesa API integration for Till and Paybill accounts, but those features are not yet available.

Not directly — Mafanikio is not a tax tool and is not integrated with KRA. However, it organizes your income and expenses by category, which can give you a useful starting point when it's time to file. Always consult a qualified tax advisor for your returns.

For now, yes — Mafanikio is built for M-Pesa transactions in Kenya. If there's enough demand, we'd like to expand to other mobile money services and regions in East Africa. One step at a time.

No. Mafanikio is not a bank, financial institution, or licensed financial advisor. It's a bookkeeping tool that helps you organize your own M-Pesa records. It is not approved or regulated by any Kenyan financial authority. Your records are for personal insight only — not for official or regulatory purposes.

Your data is yours. You can export everything at any time — all transactions, categories, and reports. If Mafanikio ever shuts down, our goal is to give you advance notice so you can download your data. We recommend exporting regularly during beta.