Chama software by iTach Technologies

Every shilling in the circle, accounted for.

Contributions, loans, expenses and member statements in one place — proper accounts behind every payment, approvals for every payout, and each member's balance on their own phone, at your chama's own web address.

Register your chama — 14 days free Log in

1 chama runs on iTach Chama. Works on any phone, tablet or computer.

Jane 700 Peter 700 Amina 1,400 Otieno 700 Wanjiku 700 Hassan 2,100 Grace 700 Mwangi 700 Pooled 486,200 balanced ✓
Illustration

Everything your chama needs

Built from a real self-help group ledger and an accountant's checklist — not a spreadsheet with a login.

Members & officials

Register with ID, phone and next of kin. Roles for chair, treasurer, secretary, committee and auditor — each sees only what they should.

Contributions & arrears

Monthly and special contributions, effective-dated rates, exemptions and pay-ahead. Arrears calculate themselves; every payment gets a numbered receipt.

Loans that add up

Flat or reducing-balance products, guarantors, approvals, schedules, late charges, early settlement and restructuring.

Real accounting

Every shilling posts a balanced double-entry journal. Trial balance, income & expenditure, balance sheet and cashbook always agree.

Cash, bank & M-Pesa

Separate books for each account, transfers that never inflate income, and reconciliation against your statements.

SMS to members

Receipts, loan disbursements and login details by SMS through the iTach SMS gateway.

Member self-service

Members log in on their phone to see savings, loans, due dates and receipts — and apply for loans.

Bring your Excel ledger

Upload the workbook you already keep. It is checked against your totals, then posted as opening balances in one approved step.

Your chama, at your own address

Members never see a shared platform — they open your chama's page with your name, logo and colours.

Freechama.itach.net/?org=yourchama

Ready the moment you register.

Your domainchama.yourgroup.co.ke

Already have a domain? Upload our small connector to your hosting and your address points to your chama.

We get it for you — KSh 2,500yourchama.co.ke

iTach registers the domain and sets everything up.

How it works

  1. Register

    Group details, your web address, the administrator login. Two minutes. Your records are private to your chama.

  2. Set your rules, bring your Excel

    Contribution types and loan products, then upload your ledger. Check the totals and post opening balances.

  3. Officials record, members see

    The treasurer records payments and receipts go out by SMS; the chair approves loans and expenses; members follow their own statement.

Backed up, and sent to youDaily, weekly or monthly backups of your chama — records, an Excel copy and documents — e-mailed to the addresses you choose.
Nothing is silently deletedMistakes are reversed with a reason, so the history is always complete and auditable.
Your data stays yoursEvery record carries your chama's identity and is checked on every page, export and download.

Packages

Every chama starts with a 14-day free trial. Kenya shillings per month.

Starter

Small chamas getting started
Free
  • Up to 30 members
  • Contributions, loans and expenses
  • Double-entry accounts and reports
  • Member self-service portal
Choose Starter

Standard

Growing chamas and SACCO-style groups
KSh 1,500/month
  • Up to 100 members
  • Everything in Starter
  • SMS receipts and reminders
  • Own sub-domain or domain via connector
  • Scheduled e-mailed backups
Choose Standard

Premium

Large groups, investment clubs and welfare societies
KSh 3,500/month
  • Unlimited members
  • Everything in Standard
  • Priority support from iTach
  • Data migration done for you
  • Custom branding (logo and colours)
Choose Premium

Need a demo first? Call 0731 477 449 / 0722 449 247 or e-mail info@itach.net.

Move your chama off paper and spreadsheets

Register in two minutes. Bring your Excel ledger with you.

Register your chama