Pricing · prepaid monthly

One week free.
Then pick your plan.

Every business starts with a 7-day free trial — full access, no card. After that, prepay a simple monthly fee: Imarika for the everyday shop, Biashara for a business with payroll and audit ambitions.

Most popular
Imarika
For the everyday shop
KSh499
/ month · prepaid

Everything the everyday shop needs — your books, your taxes and your credit score, sorted.

  • Income & expense tracking
  • M-Pesa payments into your own Till recorded automatically · reconciliation
  • eTIMS invoices filed with KRA
  • P&L, balance sheet, trial balance & bank reconciliation
  • KRA returns prepared from your books — you review and file
  • Receipt photos kept with every expense
  • Every tool — stock, payroll for 5 staff, smart contracts & Penny AI
  • Penny AI & the 2% smart-contract fee · pay as you use, from your M-Penny credit
  • Accountant and Viewer access for your team · email + WhatsApp support
  • A credit score built from your own books
Start 7-day free trial
Biashara
For the enterprise
KSh1,999
/ month · prepaid

Everything in Imarika, with more included every month for a growing business.

  • Everything in Imarika
  • Full statements suite — cash flow, changes in equity, notes, ratios — and exports (IFRS for SMEs format)
  • KES 500 of Penny AI included every month
  • You pay no 2% fee on smart contracts
  • Payroll for 15 staff included · PAYE, NSSF, SHIF, Housing Levy
  • 200 payment reminders a month included
  • Biashara-only insights: stock use (GMROI & sell-through), growth and expansion
Start 7-day free trial
Managed accounting · opening soon

Done for you, by qualified CPAs.

When the app isn't enough, an ICPAK-member CPA from our network will keep your books. We are opening it soon: to be among the first, write to support@mpenny.ke.

TierMonthly (indicative)Best for
Basic ManagedKSh 5K–15KDaily bookkeeping, reconciliation, monthly P&L, VAT/PAYE returns · KSh 100K–2M annual revenue
PremiumKSh 20K–50KManagement accounting, budgets, variance analysis, tax planning, audit support · KSh 2M–50M annual revenue
Enterprise / CFOKSh 75K+Part-time CFO, internal audit, due diligence, ERP, board reports · investment-seeking growth businesses

Indicative ranges. The CPA you appoint confirms their own fee for your books, and you pay them directly.

Your books are the
collateral you didn't know you had.

Start your 7-day free trial. Connect M-Pesa. Watch your credit score climb. When you're ready for capital, M-Penny knows you can pay it back.

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