Built for East African savings groups

Your SACCO deserves better than a notebook and a prayer.

SACCO Manager gives every member a clear record of contributions, loans, and fines — so your group can focus on growing, not arguing about who paid in March.

Free plan includes 1 group · up to 10 members · no credit card

app.saccomanager.co.ug/dashboard

Total collected

UGX 2.4M

Active groups

4

Members

47

Loans active

6

My Groups

View all →

NW

Nakasero Women's Circle

NWC-2024

18 members

Active

UGX 540K

KM

Kololo Men's Savings

KMS-2023

12 members

Active

UGX 312K

KC

Kawempe Community SACCO

KCS-2025

24 members

Active

UGX 1.1M

3,400+

Groups registered

UGX 4.8bn

Contributions tracked

98%

Members pay on time

12 min

Average setup time

Sound familiar?

Running a SACCO on goodwill alone only works for so long.

📓

The notebook goes missing — or worse, gets edited

When all your records live in one book, one bad month can unravel seven years of trust. And nobody wants to be the treasurer accused of changing a number.

📱

WhatsApp threads aren't a ledger

You're scrolling 400 messages to find out if Nakato paid in March. You shouldn't have to do that before every meeting.

🤝

Loan disputes ruin friendships

Without a clear record of who approved what and when, every overdue balance becomes a conversation nobody wants to have.

What you get

Everything your group needs. Nothing you don't.

Every member, every shilling

See exactly who has paid, who's late, and what they owe — before you sit down for the meeting on Saturday morning. No cross-referencing, no asking around.

  • Per-cycle payment status
  • Late-payment flags
  • Payout order tracking

Loans that don't become drama

Request, approve, and track repayments with a full audit trail. When a member asks 'how much do I still owe?', you have the answer in three seconds.

  • 3× contribution limit enforced
  • Flat-interest calculation
  • Repayment progress bars

Reminders sent, so you don't have to

Automated SMS reminders go out before contribution day. Fewer late payments, fewer awkward follow-up calls, fewer fines.

  • MTN MoMo & Airtel Money
  • Custom reminder schedules
  • Delivery receipts

Reports your auditors will actually read

End-of-cycle summaries, loan books, fine registers — all exportable. Your AGM just got a lot less chaotic.

  • PDF cycle reports
  • Loan ledger exports
  • Member contribution history

Getting started

Up and running before your next meeting.

01

Create your group

Name it, set your contribution amount and currency, invite members with a shareable code. Takes about 12 minutes.

02

Start your first cycle

Open a contribution cycle, set the due date, and record payments as members pay — by cash, MTN MoMo, or Airtel Money.

03

Run the group with confidence

Approve loans, issue fines, schedule meetings, and generate reports. Every action has a timestamp and a name attached.

Real groups, real results

Groups that used to fight about money now don't.

Before this, I had three notebooks, a spreadsheet nobody could open, and a WhatsApp thread I was genuinely afraid of. Now I run our 24-member group from my phone.

GN

Grace Namukasa

Chairperson, Nakasero Women's Circle

Kampala

The loan feature alone is worth it. We had a dispute last year that almost broke the group. Now every request, every approval, every repayment is on record. No more 'I thought you said...'

RS

Robert Ssebagala

Treasurer, Kololo Men's Savings Group

Kampala

Our members are mostly on MTN MoMo. The fact that payments come in and get recorded automatically — without me having to check my phone at midnight — is honestly life-changing.

FN

Fatuma Nalwoga

Secretary, Kawempe Community SACCO

Kampala

Pricing

Pay less than a missed contribution.

All prices in UGX. Billed monthly. Cancel any time.

Free

Free

For small groups just getting started.

  • 1 savings group
  • Up to 10 members
  • Contribution tracking
  • Manual loan records
Start free
Most popular

Basic

UGX 25,000/ month

For groups that are growing.

  • Up to 5 groups
  • Unlimited members
  • Cycle management
  • Loan approval workflow
  • Meeting scheduling
  • SMS reminders (50/month)
Start 14-day trial

Pro

UGX 60,000/ month

For serious SACCOs with no limits.

  • Unlimited groups
  • Full reports & exports
  • Fine management
  • MTN & Airtel auto-reconciliation
  • AI summaries
  • Priority support
Talk to us
Bank-grade encryption
MTN MoMo & Airtel Money
Full audit trail
Works for 5 or 500 members

Your next meeting is in two weeks. Start before then.

Set up your group, invite members with a code, and record your first cycle before Saturday. Free plan, no credit card, no nonsense.