East Africa · AI-powered · Mobile-first

Your finances,
handled automatically.

Mali watches your MoMo and Airtel Money transactions, categorizes every expense, generates invoices, and keeps you tax-ready — without touching a spreadsheet.

80M+ Mobile money users in East Africa
0 Bookkeeping tools built for them
Mali Live
+
MoMo Received +UGX 450,000
now
Stock — Al便利店 −UGX 80,000
2h
Invoice #047 — Categorized +UGX 220,000
5h
This month +UGX 2.4M
Expenses UGX 890K

Three steps. Zero spreadsheets.

Mali works the way your business works — over USSD and WhatsApp, not clunky desktop software.

01

Connect your accounts

Link your MTN MoMo, Airtel Money, or M-Pesa number. Mali starts reading transactions immediately — no bank statements needed.

02

AI categorizes everything

Income, expenses, suppliers, customer payments — Mali learns your business patterns and sorts every transaction automatically.

03

Reports you can use

Monthly profit & loss, URA-ready tax summaries, and invoice generation — sent to your WhatsApp or available over USSD.

Everything your accountant does — running while you sleep.

Transaction Monitoring

Real-time feed from MoMo and Airtel Money. Every shilling in, every shilling out — tracked automatically.

Smart Categorization

Suppliers, stock, utilities, customer payments — sorted by AI that learns your business, not a rigid rule engine.

Invoice Generation

Create professional invoices and send them over WhatsApp. Mali tracks who paid and chases the ones who didn't.

URA Tax Summaries

Quarterly summaries formatted for Uganda Revenue Authority compliance. No more scramble at tax time.

Profit & Loss Reports

Monthly breakdowns sent to WhatsApp — know exactly where your money went, every month, without asking anyone.

USSD + WhatsApp

Works on any phone — smartphone, basic, or feature phone. No internet required for core functions.

Pricing built for informal businesses.

No monthly fees that eat your margins. No enterprise contracts. Just the tools that help you grow.

Starter
UGX 0 /month

For micro-businesses just getting started with formal finances.

  • Up to 50 transactions/month
  • Basic categorization
  • WhatsApp invoice sending
  • Monthly SMS summary
Most popular
Growth
UGX 149,000 /month

For growing businesses that need full financial clarity.

  • Unlimited transactions
  • AI categorization + supplier tracking
  • Invoice generation + payment chasing
  • Quarterly URA summaries
  • USSD access + WhatsApp reports
Scale
UGX 399,000 /month

For established businesses with multiple staff and complex operations.

  • Everything in Growth
  • Multi-user access (up to 5 staff)
  • Multi-branch support
  • API integration with existing tools
  • Priority support + onboarding
All plans include a 14-day free trial. No credit card required.

The informal business that runs its finances with WhatsApp and intuition — that's a generation ago.

East Africa has the mobile infrastructure to make formal bookkeeping effortless. Mali is the AI that makes it happen.