Your money,
finally
under control.
Your MoMo, your bank, the cash in your pocket and what your cousin owes you. Message it like a person. Get the truth back. On your own, or with the whole house.
Everything your money needs, in one place
Record
Every spend and every payment in. Send a message the way you would tell a person — “market 45000”, “paid rent” — and it is written down, put in the right category and taken off the right budget. No forms, no app, no accounting.
Know
Ask anything about the month and get a number back in seconds. What did we spend? What is left of the food budget? Who owes us, and since when? The answer arrives in the same chat you asked in.
Plan
Budgets that warn you in week two rather than reporting the damage in week four. Bills you are told about before the money is gone. Goals with the arithmetic already done — what you have, what is left, and what a month has to look like to get there.
Six places your money lives. None of them talk.
Every one of them knows a piece of the month. Not one of them knows the month.
Three steps to your first entry
Say hello on WhatsApp
One message to the number, from the phone that is yours. There is no form, no password and no code to wait for — Meta has already proved the number by the time the message arrives.
Tell it one thing
Whatever happened today. “Market 45000.” “Paid rent 250000.” “Lent Eric 120000.” It writes it down, tells you what it wrote, and you are keeping records from that moment.
Ask it anything
Whenever you want to know. What did we spend this month, what is left of the food budget, who owes us. And when you want the whole picture on a bigger screen, ask for the link.
Two ways in, the same money in both
Type it, or forward the MoMo message. Nothing to install, nothing to sign in to, and it is already open on the phone in your hand. This is where recording happens and where the answers come back.
QontaBusiness account
The web view
The whole month on a bigger screen: what came in, what it cost, what is left of each budget, what is due and who owes what. Ask in the chat and a one-time link arrives — there is no password to forget, and nothing to install here either.
It reads how you actually write
Nobody is going to open a form at a market stall. Whatever is fastest with your hands full is the right way to send it.
- A text message.Records the spend, or the money that came in.
- A forwarded MoMo message.Reads the amount and who it was.
- A question in plain words.Comes back with a number, not a menu.
- Voice notes and photos of receipts.Not yet. It will say so plainly rather than guess at what you sent.
One place for your money. Working while you live.
Recording that takes one message
Send it the way you would say it. The amount, what it was for and who it involved are worked out for you and written down at once.
The month as it really went
What the household has actually spent, day by day, against a steady month spending the same total — the dashed line.
Budgets and goals, the arithmetic done
A limit per category, said out loud while there is still money to move — and what a month has to look like to reach the thing you are saving for.
Who owes what, both directions
Money you lent, and money you owe. With the date it started.
Lending is not spending, and it is not counted as any.
Bills nobody has to remember
Rent, water, school fees — weekly, monthly, termly or yearly.
Told three days before, not on the day.
Built for how money actually moves here
The month
- In, out, and what is leftWhat arrived, what went, and the difference — from what you actually told it.
- Nothing to keep up to dateNo opening balances to enter and no wallet to reconcile. You say what happened; it does the arithmetic.
- Moving your own money is not spendingMoMo to savings goes in and out together, and no budget is touched.
The ledger
- One ledgerMoney out and money in, sorted into forty-three categories automatically. Coffee out is not the same line as the market.
- Budgets per categoryA limit, what is left of it, and how many days are left.
- Ask any timeWhat did we spend, on what, and who spent it.
The people
- Everyone in the houseEach person records into the same month from their own phone.
- Who owes whatBoth directions, with the date it started.
- Private where it should beA member can be given the household total without every line of it.
Looking ahead
- Recurring billsWeekly, monthly, termly or yearly — school fees included.
- Told before it is dueA warning while the money is still there.
- GoalsWhat you have, what is left, what a month has to look like.
It knows what is not spending. That is most of the work.
A household that moved 1,240,500 in a month did not spend 1,240,500. Get that wrong and every total is a number people stop believing.
- Moving your own money.Bank to MoMo is not a purchase. Both legs go together or neither does.
- Lending, and being paid back.Money you are owed is still yours. It is not counted as spending, and the repayment is not income.
- Borrowing.A loan arriving is not a good month. Counted as income, it is the month that makes a household overspend.
- Saving.Money put aside has not left the house — filing it as spending makes a home look steadily poorer.
Nothing to steal, nothing to forget
There is no account to break into. The way in is your own number, and a link that works once and is gone fifteen minutes later.
Opens once, on the phone that asked. Gone fifteen minutes later, whether it was used or not.
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No password anywhere
There is nothing to guess and nothing to reuse — not by somebody else, and not by you at the till with your hands full.
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The number is the identity
Meta has already proved the phone by the time a message reaches us. Nobody signs in as you from somebody else’s handset.
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One household, one set of books
You see your home’s money. Nobody else’s home can see it, and a restricted member sees the household total without every line of it.
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Built and hosted for Rwanda
Amounts in RWF with no decimals, dates in the household’s own timezone, and the months and categories a home here actually keeps — ikimina, the tin, school fees by term.
On your own, or the whole house
The same product either way. The difference is how many phones are writing into it.
Just you
3,500 RWF a month
- Your salary, your MoMo, your cash, in one total
- Where the month went, without a spreadsheet
- Budgets that warn you in week two
- Who owes you, and since when
One phone. Nobody else sees a thing.
The whole house
5,500 RWF a month
- Everybody records into the same month
- Every entry carries who wrote it
- One month, however many people are in it
- A teenager can see the total without every line
Every phone in the house, one set of books.
One price, everything included
Free for your first week. After that it is paid by Mobile Money one month at a time, nothing is ever taken without you approving the prompt yourself, and you can stop after any month.
Personal
For one person
3,500RWF / month
or 35,000 a year — ten months for twelve
1 phone- Unlimited recording by message
- What came in, what went out, what is left
- Budgets, bills and goals
- Who owes what, both directions
- Answers in the chat, any time you ask
- The web view, from a link in the chat
Family
For a household
5,500RWF / month
or 55,000 a year — ten months for twelve
Every phone in the house- Everything in Personal, plus:
- Everybody records into the same month
- Every entry carries who wrote it
- One month, however many people are in it
- A member can see the total without every line
- One set of budgets the whole house is inside
No setup fee, no contract, and no per-person charge — a plan covers the whole household. Change plan or stop whenever you like; your records stay yours and readable either way.
Questions, answered.
If yours is not here, ask it in the chat once you are in — it answers those too.
How do I record something?
Message Qonta Home the way you would tell a person. “Market 45000.” “Paid rent 250000.” “Lent Eric 120000.” You can forward the MoMo message instead and it will read the amount out of it. It writes the entry, tells you exactly what it wrote, and takes it off the right budget. Voice notes and photos of receipts are not read yet — it will tell you so rather than guess.
Do I need to download an app?
No, and you will not have to. Recording happens in WhatsApp, which is already on your phone. When you want the whole month on a bigger screen, ask in the chat for the link and it opens in your browser.
Is there a password?
There is no password anywhere in this product. Your number is the identity — WhatsApp has already proved it by the time your message arrives — and the web view opens from a one-time link sent into the same chat. Nothing to forget, and nothing for anybody else to guess.
Can my family use it too?
That is the point of it. Everybody in the house records into the same month from their own phone, and every entry carries who wrote it. A member can also be given the household total without every line of it — for a teenager with their own phone, or a relative who helps with rent.
How exactly do I have to write it?
Not exactly at all. It reads plain English, however it comes out of your hands — “rent 250000”, “paid rent 250k from momo” and “250000 rent kanombe” all land as the same entry. There is no format and no order to remember, and it tells you what it wrote so a wrong one costs you one word to fix.
What does it cost?
Personal is 3,500 RWF a month for one person and one phone. Family is 5,500 for everybody in the house, each recording from their own phone. Both have the same features — the difference is how many of you are in it — and a year costs ten months. You pay by Mobile Money: you approve the prompt yourself every time, nothing is ever taken automatically, and you can stop after any month.
What happens to my records?
They are yours. They stay inside your household — no other home can see them — and the whole product exists so that money you have already moved stops being a guess. If you stop using it, nothing is published, sold or shared to make that decision cost you.
Start with one message
Say hello on WhatsApp and record the first thing you spent today. Free for a week. Then 3,500 a month on your own, or 5,500 for the whole house, paid by Mobile Money and stoppable after any month.
No app, no password, no contract.