Personal finance · built for TZS & mobile money
Know exactly where your money stands.
Black Finance brings your accounts, spending, budgets, goals, investments and debts into one private ledger, with an assistant that answers questions from your own records.
Net worth
TSh 48,250,000
- Spendable
- Savings
- Investments
- Income
- 7.2M
- Spent
- 4.7M
- Savings rate
- 34.7%
What’s inside
Everything you need to run your money, in one place.
Accounts
Cash, bank, mobile money, savings and investment accounts, each with its own running balance.
Transactions
Record income, expenses and transfers. Transfers move money between your accounts and are never counted as spending.
Budgets
Set a monthly limit per category and see what is left, what is close, and what has gone over.
Savings goals
Name a target, log contributions, and watch progress toward it.
Investments
Keep holdings and their market value alongside everything else, so net worth is complete.
Debts
Track money you owe and money owed to you, and see the net position at a glance.
Dashboard & reports
Net worth, cash flow, spending by category and savings rate, month by month.
AI assistant
Ask questions in plain language. Answers come only from your own records, never from guesses.
How it works
Four steps from sign-up to a clear picture.
- 01
Create your account
Register with your email and a password. Your data is private to you from the first minute.
- 02
Add where your money lives
Set up each account with its opening balance: cash, bank, mobile money, savings, investments.
- 03
Record what happens
Log income, expenses and transfers as they occur. Balances update automatically.
- 04
Plan and review
Set budgets and goals, then use the dashboard, reports and assistant to see how you are doing.
Privacy
Built to keep your finances private.
Your data is yours alone
Every record is locked to your account at the database level, so no other user can read it.
Automatic sign-out
Inactive sessions end on their own, so an unattended screen does not stay open.
Exact figures
Totals are computed from your records. The assistant is told never to invent a number.