Your Chama, Digitized
Track contributions, process loans, manage welfare claims, and collect M-Pesa payments — all in one platform built for Kenyan savings groups.
14-day free trial. Set up in under 5 minutes. Invite your members today.
Beautiful on every screen. Light and dark mode included.
Who is MyChama for?
Whether you call it a chama, merry-go-round, or investment club — if your group pools money together, MyChama was built for you.
Savings Groups
Chama ya akiba
Pool monthly contributions, grow savings together, distribute dividends.
Welfare Groups
Chama ya msaada
Support members through medical emergencies, funerals, and milestones.
Investment Clubs
Chama ya uwekezaji
Track group investments, monitor returns, and make data-driven decisions.
Table Banking
Merry-go-round
Rotate contributions, issue member loans, track repayments automatically.
SACCOs
Small cooperatives
Manage member shares, process loans, and generate auditable reports.
Everything Your Chama Needs
Tools that work for every member individually, and for your group as a whole.
Personal Dashboard
See your savings total, monthly amount due, loan status, and contribution history — all in one place, anytime you log in.
Loan Applications
Apply for a loan from your phone in minutes. Track your application status, view repayment schedules, and get notified at every step.
Welfare Claims
Submit welfare claims for medical, burial, graduation, or group events. Upload supporting documents and track approvals in real time.
Works on Any Phone
Designed mobile-first for the way Kenyans use the internet. Fast, responsive, light and dark mode. Manage your chama from anywhere.
Smart Payments
Collect contributions via M-Pesa with a single click. Payments auto-confirm. No more receipt screenshots or manual reconciliation.
Events & Announcements
Schedule meetings, create announcements, and send invitations. Members RSVP and add events to their calendars.
Investments & Reports
Track group investments from purchase to maturity. One-click branded Excel and PDF exports with summaries your accountant will appreciate.
Your Brand, Your Platform
Upload your logo. Choose your colors. Your members see your group's identity — not ours.
Roles & Permissions
Treasurer, Secretary, Chairperson, Member — each role sees exactly what they need. Create custom roles to match how your chama actually runs.
Before & After MyChama
See how groups transform when they switch from manual to digital.
Tracking contributions in a WhatsApp group
Every payment recorded automatically with timestamps
Calling the treasurer to check your balance
Personal dashboard with real-time savings totals
Screenshot receipts and manual reconciliation
M-Pesa auto-confirms and matches payments
Handwritten ledger books and Excel sheets
One-click branded PDF and Excel reports
"Who approved that loan?" arguments
Role-based permissions with full audit trail
Sound familiar?
These scenarios play out in thousands of Kenyan groups every month. Here's how MyChama changes the story.
The Missing KES 5,000
A member accuses the treasurer of pocketing KES 5,000 from last month's collection. The treasurer swears they deposited everything. WhatsApp messages are deleted. The group splits into factions.
With MyChama, every M-Pesa payment is automatically recorded with Safaricom confirmation codes. The treasurer pulls up the transaction log in 10 seconds. Conflict resolved. Trust restored.
The Loan That Took 3 Weeks
A member needs an emergency loan for a hospital bill. They call the chairperson, who calls the treasurer, who says they'll "discuss it at the next meeting." Three weeks pass. The bill goes to collections.
The member submits a loan request from their phone. The treasurer gets an instant notification, reviews and approves it in minutes. Funds are disbursed the same day via M-Pesa.
The Treasurer Who Quit
After 2 years of tracking everything in exercise books and Excel, the treasurer burns out and quits. Nobody else knows the accounts. The group spends months trying to reconstruct records from M-Pesa messages.
All financial records live in MyChama's cloud. When the role changes hands, the new treasurer sees the complete history instantly. Branded reports, full audit trail, zero knowledge lost.
How it works
Get your group up and running in minutes, not days.
Create Your Group
Set up your chama in under 2 minutes. Name it, set contribution amounts, and customize your group rules.
Invite Members
Send invitation links via WhatsApp or SMS. Members join with one tap and set up their profiles.
Manage Everything
Collect contributions via M-Pesa, approve loans, track welfare, and generate reports — all from one dashboard.
M-Pesa built in, not bolted on
Three levels of M-Pesa integration that eliminate manual payment tracking.
STK Push Payments
Members pay with one tap. MyChama sends the M-Pesa prompt directly to their phone. No Paybill numbers to remember.
Auto-Match C2B
Payments made to your Paybill are automatically matched to the right member and the right bill. No manual reconciliation.
Bill Manager
Automatically generate monthly bills and send them via M-Pesa SMS. Members see exactly what they owe and pay instantly.
Payment management, transformed
Manually checking M-Pesa messages one by one
Payments auto-recorded with confirmation codes
"Please send to this Paybill..." WhatsApp messages
One-tap STK Push from the member dashboard
Calling members who haven't paid this month
Automated M-Pesa bill reminders via SMS
Excel sheet to match payments to members
Smart auto-matching by phone number and reference
End-of-month reconciliation headaches
Real-time payment status for every member
Your group's money deserves serious protection
We built MyChama with the same security standards that banks use. Because your chama's finances are just as important.
Bank-grade encryption
Your data is encrypted in transit and at rest. We use the same security standards as banks.
Full audit trail
Every action is logged with timestamps. Who approved what, when, and why — it's all recorded.
Role-based access
Members, treasurers, secretaries, and admins each see only what they should. Granular permissions.
Your data, your control
Export everything anytime. Download PDF reports, Excel spreadsheets, and member statements.
Built for Kenya
Designed around how Kenyan groups actually operate. M-Pesa first, mobile first, Swahili-aware.
What treasurers are saying
Real feedback from people managing real groups.
"Before MyChama, I spent 3 hours every month reconciling M-Pesa payments in Excel. Now it takes 5 minutes. The auto-matching is incredible."
Mary Wanjiku
Treasurer, Umoja Women's Group · Nairobi
"Our members used to complain they never knew their balances. Now everyone checks the dashboard daily. Transparency changed everything for our chama."
Peter Ochieng
Chairperson, Kilimani Investment Club · Nairobi
"We almost dissolved because of trust issues with our old treasurer. MyChama's audit trail restored confidence. Every shilling is accounted for."
Grace Akinyi
Secretary, Busia Teachers SACCO · Busia
Choose the Right Plan for Your Group
Start free. Upgrade as your chama grows. All plans include core group management features.
Free
Perfect for small groups getting started
- Up to 10 members
- 50 transactions per month
- Contribution tracking
- Loan applications
- Welfare claims
- Investment tracking
- Dashboard & reports
- Announcements & events
- Dark mode
Starter
or KES 5,500/year (save 17%)
Essential tools for growing groups
- Everything in Free, plus:
- Up to 30 members
- 500 transactions per month
- M-Pesa payment prompts
- Excel & PDF exports
- Full email notifications
- SMS notifications
- Custom logo upload
Professional
or KES 20,000/year (save 17%)
Full-featured for established groups
- Everything in Starter, plus:
- Up to 100 members
- 5,000 transactions per month
- Automatic payment matching
- Automated monthly billing
- WhatsApp notifications
- Full custom branding
Enterprise
or KES 50,000/year (save 17%)
Unlimited access for large organizations
- Everything in Professional, plus:
- Unlimited members
- Unlimited transactions
- Priority email support
- All current & future features
All prices in KES. Payments via M-Pesa.
Frequently Asked Questions
Everything you need to know about MyChama.app.
Get in Touch
Questions about MyChama? Need help setting up your group? We’re here to help.
Or email us directly at contact@mychama.app
Ready to modernize your chama?
Join hundreds of Kenyan groups who've moved from WhatsApp chaos to organized, transparent management. Free to start.
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