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Macuta is the Angolan app to track spending, set budgets and save. Your accounts, your BODIVA portfolio and, soon, an assistant that shows you how to reach your goals. On your phone and computer, in your currency and your language.
Macuta is the app to track spending, set budgets and save. Your accounts, your goals and, soon, an assistant that shows you how to get there. On your phone and computer, in your currency and your language.
Everything you need to know where your money goes.
Log in seconds, see the whole month on one screen and let your budgets warn you before you overspend.
All your accounts
Bank, cash, mobile money, card, each with its balance and the total in view. 3 accounts on Copper, unlimited on Silver and Gold.
Snap the receipt
Take a photo of the invoice or receipt. Macuta reads the amount, date and store and logs the expense for you. The image is kept as proof.
Budgets that fit you
Monthly, weekly or for a trip. With limits per category. History of previous months on Silver and Gold.
Savings goals
Set a goal and a deadline and watch your progress. From a car down payment to an emergency fund.
Multi-currency
Kwanzas, dollars and euros in the same app, automatically converted into your total. Gold plan.
Several currencies in the same app, automatically converted into your total. Gold plan.
Recurring payments and subscriptions
Rent, salary, Netflix, Unitel. They log themselves and remind you of what's coming next.
Rent, salary, Netflix, phone bill. They log themselves and remind you of what's coming next.
Charts and reports
Spending by category, net worth over time and month-to-month comparison. Export on Silver and Gold.
Categories and subcategories
Create your own, with an icon and colour. Know how much went on Food and how much was just the work canteen.
Loans and debts
What you're owed and what you owe, with instalments and interest tracked to the end.
Statement import
Bring your bank history in as CSV and start with your own data, not from scratch.
Backup and sync
Phone, tablet and computer always the same. Switch devices and lose nothing. On every plan.
Expense splitting
Dinner with friends or shared rent: split the bill and log only your share.
On your phone for every day. On your computer to decide.
Phone, tablet or computer: open Macuta wherever you are and find everything the same. Log on the street, review the month on the sofa and plan calmly on the big screen.
- Full dashboardIncome, spending, budgets and stock portfolio side by side.
- Drag in your statementDrop the bank CSV into the window and the transactions come in already categorised.
- Keyboard shortcutsNew transaction, search and navigation without taking your hands off the keyboard.
- Always in syncWhat you log on your phone shows up on your computer in seconds.
Your BODIVA portfolio, right next to your accounts.
Personal finance apps stop at the bank. Macuta goes further: it connects to Finda, the Angolan market data terminal, and brings your stocks into your net worth.
- BODIVA quotesListed securities, with price, daily change and 7-day trend. Silver and Gold plans.
- Stocks count towards your net worthYour portfolio's value goes into your total, next to your bank balance, with the gain or loss. Silver and Gold plans.
- Other assetsCar, house, crypto or foreign stocks, at the value you update. Silver and Gold.
- Dividends as incomeThey're logged to the right account and show up in your reports.
- Price alertsSet the price and Macuta lets you know when the stock gets there. Gold plan.
BODIVA stocks
Your portfolio
How much can you save, macuta by macuta?
Choose how much you can set aside each month and for how long. That's how goals work in the app.
Illustrative simulation with monthly compound interest. Real rates vary by bank and product.
Kamba reads your numbers and tells you what to do next.
Macuta's assistant is coming soon. It will look at your income, your spending and your goals and tell you, in your language, what's going well, what's going wrong and how to get where you want.
- Monthly summaryHow much came in, how much went out, how much you saved and how it compares with previous months.
- Warnings before trouble"At this week's pace, you'll go over your Leisure budget on the 22nd."
- Goals met or missedShows whether you're on track and, if not, why and what to adjust.
- Questions in your language"How much have I spent on transport this year?" The answer comes with your numbers.
- Restaurants from 38,000 to 26,000 Kz a month: +96,000 Kz
- Cancel 2 subscriptions you haven't used since July: +36,000 Kz
The assistant guides you based on your data and only sees what you allow. It doesn't replace professional financial advice.
Three steps. Then just keep going.
Add your accounts
Bank, cash, mobile money and, if you have one, your stock portfolio. With today's balance.
Bank, cash, card and mobile money, each with today's balance.
Set budgets and goals
How much you want to spend per category and how much you want to save, and by when.
Follow Kamba's tips
Log your day-to-day in seconds. Soon, Kamba will warn you, suggest tweaks and show your net worth growing.
Start free. Upgrade when you need more.
Copper, Silver and Gold, like coins. Start free and switch plans whenever you like, without losing anything you've logged.
Copper Free
0 KzForever
- Start with 14 days of free Gold
- 3 accounts in your currency
- Unlimited transactions and categories
- 1 budget and 1 goal of each type
- 5 receipts by photo per month
- Backup and sync across devices and the web app
Silver
Most popular1,500 Kz /monthor 15,000 Kz a year, 2 months freeor 14.99 USD a year, 2 months free
- Everything in Copper
- Unlimited accounts, budgets and goals
- BODIVA quotes (Angola)
- Stock portfolio with gain and loss (one market)
- 30 receipts a month and reports to export
- Kamba: weekly tips and 15 chats (coming soon)
- Multiple currencies
Gold
3,500 Kz /monthor 35,000 Kz a year, 2 months freeor 34.49 USD a year, 2 months free
- Everything in Silver
- Accounts in several currencies, with exchange rates
- Stock portfolio with gain and loss (several markets, coming soon)
- Price alerts, performance and dividends
- Kamba: 100 chats and goal plans (coming soon)
- 100 receipts a month
- Priority support
Prices for Angola. Outside Angola: Silver 1.49 USD/month (14.99 USD/year) and Gold 3.49 USD/month (34.49 USD/year). Invite a friend and you both get 1 month free. Cancel whenever you like, in two taps.
Approximate amounts in your currency. Payment is in US dollars: Silver 1.49 USD/month (14.99 USD/year) and Gold 3.49 USD/month (34.49 USD/year). Invite a friend and you both get 1 month free. Cancel whenever you like, in two taps.
Your money is yours. So is your data.
You control your data
On your phone it stays on the device and works offline. The web app and the assistant only use what you allow.
Full encryption
Your data is encrypted on the device, during sync and in the web app.
Fingerprint or face
The app only opens for you. The key is protected by your phone's system.
No selling of data
No ads and no sharing with third parties. The business model is the subscription, not your information.
We're building Macuta with people who know the market.
Macuta is a product of Kioxke Tecnologia, the team behind Finda and Kioxke. We bring together money management, market data and an AI assistant. We're looking for investors, banks, insurers and financial literacy programmes that want to bring saving to more Angolans.We're looking for investors, banks, insurers and financial literacy programmes that want to bring saving to more people.
- InvestorsA pre-launch round to speed up the product and its market entry.
- Banks and insurersA white-label version as a financial education tool for your customers.
- Programmes and NGOsFinancial literacy partnerships with content and tools in Portuguese.
What people ask us most.
Is Macuta free?
Yes. The Copper plan is free forever: 3 accounts in your currency, unlimited transactions and categories, 1 budget, 1 goal of each type, 5 receipts by photo a month and sync across your devices. Every new account starts with 14 days of free Gold, no card needed. You only pay if you want more accounts and budgets, more receipts, quotes and the stock portfolio or several currencies.You only pay if you want more accounts and budgets, more receipts or several currencies.
Does it work outside Angola?
Yes. You choose your country, main currency and language when you sign up, and Macuta works in kwanzas, euros, reais, dollars or meticais. BODIVA quotes and Multicaixa Express payments are for Angola. Outside Angola, paid plans are priced in dollars: Silver 1.49 USD/month and Gold 3.49 USD/month.
Do I need a Finda account to see stocks?
No. BODIVA quotes come from Finda and show up in Macuta with no extra sign-up. To add your portfolio, just enter how many shares of each security you own.
Does the app connect to my bank?
Not yet. You log transactions by hand, in seconds, snap the receipt or import your bank statement, as a PDF (read by AI) or as CSV. A direct connection to Angolan banks depends on the APIs they make available.
Can I use it on my computer?
Yes. The web app opens in any browser and stays in sync with your phone. It's the most comfortable way to import statements, review budgets and read reports.
Does the assistant see all my data?
Kamba is coming soon. When it arrives, it only sees what you allow. You can turn it on or off at any time and choose which accounts it can look at. Your data is never sold or used for advertising.
How does logging by photo work?
You take a photo of the invoice or receipt, or pick an image from your gallery (on the web, a PDF too). Macuta reads the amount, the date, the time and the store name with AI and suggests a category. Confirm with a tap and the expense is logged, with the photo kept only on your phone as proof. Reading needs an account and internet, and asks for your permission the first time.
Does it work offline?
Yes. Your data stays on your phone and you can log everything by hand offline. Quotes and sync update when you're back online, and reading receipts and statements with AI needs internet.
Where can I use Macuta?
You can already use Macuta at app.macuta.ao, in the browser on your computer, tablet or phone. Create your account and your data stays the same on every device. The Android app is coming soon to Google Play.