Personal finance

Your money, clearly.

Kitab tracks what comes in and goes out, reminds you before bills are due, and turns your goals into small weekly steps.

Get the app Open in browser

Coming soon on Google Play and the App Store

Free to use. Kitab Plus is $1 a month.

KKitabnow

Rent (450 000) is due on Thursday.

Kodi inatakiwa kulipwa Alhamisi.

Mark paidSnooze

09:41●●● ▮

Good morning, Amani2

Real money

1 240 000TZS

Net worth 41.2 M · Bills next 30 d 1.11 M

Due soonSee all

RentThursday · Bank

450 000

Due soon

LUKU electricityTomorrow · M-Pesa

30 000

Due soon

Expected income

Salary25 Sep · CRDB

1 800 000

Expected

Your goal

💻 Laptop52 %

Home

Plan

Notifications

How it works

Three small habits. One clear picture.

You do the first one. Kitab does the other two.

Log it in five seconds

Tap +, type the amount, pick a category. Salary, rent and loan instalments are set up once and remembered.

Get reminded before it’s due

Three days before, on the day, and if it slips. A tap marks it paid — no need to open the app.

Reach a goal in weekly steps

Tell Kitab what you’re saving for. It works out the weekly amount and nudges you — and celebrates the milestones.

Real money

A loan is not income. Kitab never pretends it is.

Most apps show one balance. Kitab shows what is actually yours after what you’ve borrowed — and what you’re worth once assets and debts are counted.

Cash & mobile money−What you owe short-term=Real money

Your financial state

1 240 000TZS

Liquid 1.96 M − short-term debt 720 K

Net worth

41 200 000

Assets + accounts + money lent − loans · Kitab Plus

Reminders that respect you

Few, well-timed, always actionable.

Quiet hours by default. Never more than three a day. Every one has a button.

KIncome17:00

Salary expected today. Did it arrive?

Yes, receivedNot yet

KGoalsMon 09:00

This week for Laptop: put aside 58 000.

You’re on track — 2 weeks ahead.

Contribute

KMilestoneSat

Halfway to Laptop! 1.5 M of 3 M.

View

KReport1 Oct 08:00

Your September report is ready: you kept 12 %.

Review

KLoans3 Oct

You have 300 000 you don’t need this month. Paying it into Timiza saves ~18 000 in interest.

See planNot now

Kitab Plus

One dollar a month. Two months free.

Everything in Free stays free. Plus adds insight and automatic planning.

Free

✓Income, expenses, transfers, accounts
✓Recurring income and up to 8 recurring costs
✓Bill and income reminders
✓Loans, money lent, assets
✓One goal with weekly tasks
–Real money and net worth
–Monthly report with review

Get the app

Plus

$1 / month · $10 / year

✓Everything in Free
✓Real money and net worth, updated daily
✓Monthly report with a guided review
✓Unlimited goals with automatic weekly plans
✓Loan payoff planner and surplus alerts
✓Milestone celebrations and mid-month check-ins
✓Export to PDF and CSV

Start 2-month free trial

Pay in the app store, or with mobile money / card via Pesalock on the web. Cancel any time.

Trust

Your numbers stay yours.

No bank passwordsKitab never connects to your bank or mobile-money account. You enter what you want tracked.

Delete in one tapErase your data and keep the account, or delete the account entirely. No emails to support.

Sign in without a passwordGoogle, Apple, or a one-time email code. Nothing to remember, nothing to leak.

Built by PesalockThe same team behind Pesalock escrow. Payments for Plus go through Pesalock’s regulated rails.

Questions

Do I have to type every expense?

Only the ones you want to see. Recurring things — salary, rent, LUKU, loan instalments — are set up once; Kitab creates them each month and just asks you to confirm.

What is “real money”?

Your liquid balances minus what you owe in the short term. If you borrowed 700 000 from a mobile loan, it shows in your account but it isn’t yours — Kitab subtracts it so you plan with the right number.

Who does the “coaching” for goals?

Kitab does, automatically. It splits your goal into weekly amounts and suggests small actions from your own spending. There are no human coaches.

Does it work in Swahili?

Yes — the app, reminders and emails are all available in Kiswahili and English.

What happens if I stop paying for Plus?

Nothing is deleted. Reports and the financial-state screen go back to a preview; your extra goals pause until you choose which one stays active.

Is there a desktop version?

Open Kitab in any browser at the same address — it’s the same app with a sidebar layout. Your phone and browser stay in sync.