Mchezo wako. Watu wako. Zamu yako.
Tanzania's digital platform for mchezo savings circles. Create or join a Mchezo, invite the people you trust, contribute on an agreed schedule, and follow the payout order — all in one place.
You bring the people. Mchezoo runs the mchezo.
Your savings. Your people. Your turn.
Create or join
Start a Mchezo with your own people, or accept an invite from someone you trust. Every Mchezo has its own contribution, schedule, and payout order.
Contribute on schedule
Pay by mobile money when it's your turn — M-Pesa, Mixx by Yas, Airtel Money, Halopesa, or T-Pesa. Every fee is shown before you pay, never hidden.
Get your payout
Follow the payout order in real time. When it's your round, the full amount goes straight to your account — Mchezoo never takes a cut from the recipient.
Built around how mchezo already works
The Mwenyekiti still organizes the circle. Mchezoo is the digital treasurer — keeping records, tracking contributions, and coordinating payouts.
Belong to more than one Mchezo
Track every Mchezo you're part of in one place — a savings circle with family, another with colleagues, another with friends.
Fees you can see, not guess
Contribution, Kijumbe fee, and platform fees are itemized before every payment. Totals round to friendly TZS 500 cash amounts.
Fair, transparent fines
Late payment fines are set by your Mwenyekiti, shown per missed period, and never applied silently — waivers are always logged.
Works for everyone, not just smartphones
SMS keeps feature-phone members in the loop with invitations, reminders, and payout updates — no app required to stay informed.