Every penny, empowered.
The all-in-one financial dashboard for Kenyan MSMEs. Automate your M-Pesa bookkeeping, simplify eTIMS compliance, and file KRA returns without the headache.
M-Pesa Sync
Instant transaction matching. No more manual entry of Lipa na M-Pesa messages.
eTIMS Ready
Automatically generate KRA-compliant invoices for every sale. Tax season is now one-click.
Penny AI
Get business insights, low-stock alerts, and financial forecasting personalized for your shop.
Most businesses fail flying blind.
Not because the idea was wrong — because nobody could see the numbers in time. M-Penny is the instrument panel every Kenyan business deserves.
7.4M
small businesses in Kenya
67.9%
can't access formal credit
46%
close within the first year
Up and running before your tea gets cold.
Sign up with your phone
No forms, no fees. Your business name and M-Pesa number — that's it.
Link M-Pesa & invoice
Pull payments straight in and send eTIMS-stamped invoices in seconds.
Watch it grow
Clean books, taxes set aside, and a credit score that opens real loans.
Ready to see every penny?
Join the businesses turning everyday M-Pesa into clean books, painless tax, and real credit.
7-day free trial · No card required · From KSh 300/mo