A WhatsApp-based tool that turns conversations, receipts, and member updates into real-time financial records and insights. No spreadsheets. No confusion. No drama.

Use it on:WebChat Based
Screenshot of Thamani website

Is Thamani right for you?

Best for

  • Kenyan chamas
  • Savings groups
  • Group treasurers
  • Member contributions
  • Shared expense tracking

What it does well

  • WhatsApp-based tracking
  • Receipt to records
  • Member update logs
  • Real-time balances
  • Spending insights

Things to check

  • Bank money linking
  • Treasurer permissions
  • Member access controls
  • Export options
  • Pricing fit

Thamani is a WhatsApp-based financial management tool for Kenyan groups such as chamas, estate committees, and investment collectives that want structured records without spreadsheets.

Key capabilities include:

  • WhatsApp bot record-keeping: members tag the bot in the group chat with payment details or instructions, and it logs contributions, expenses, loans, repayments, fines, and penalties into up-to-date records.
  • Rules-based tracking and reminders: admins set group rules in the web admin panel (or upload a group constitution), and the system applies those rules to generate repayment schedules, send opt-in reminders, and apply automated penalties.
  • Reporting and exports: members can request balances, contribution summaries, and monthly reports from the chat, and admins can view and download detailed reports and exportable statements for AGMs and audits.
  • Goal tracking and controls: supports group goal tracking plus privacy and accountability controls with secure storage.

Available via WhatsApp for day-to-day use, with a Web admin dashboard at https://app.thamani.io/.

Target users include group admins, treasurers, chairpersons, and members managing shared funds in informal and semi-formal community groups.

It is notable in the Kenyan market for meeting groups where they already coordinate financially, inside WhatsApp, while adding structured reporting and rule enforcement designed for common chama and estate workflows (including M-Pesa-style payment confirmations).

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