Tunzi
Tunzi: A free savings app built around goals, spending prompts, challenges and group approvals. Ranked #10 of 17 in Automated Savings Apps by our editors (7.7/10); pricing: Free plan; best for free group and challenge-based saving.
At a glance
- Editor score7.7 / 10
- PricingFree plan
- Best forFree group and challenge-based saving
- Free planYes
- Paid fromFree
- Card roundupsNo
- Facts checked20 Sep 2026
Where it wins
- Free personal and group savings goals with no monthly or maintenance charge
- Spending prompts, round-down rules and a 52-week savings challenge
- Interest-bearing goals with group withdrawal approval workflows
Where it doesn't
- Withdrawal fees apply
- Withdrawals require requests to mobile money
- Automation centers on prompts and rules, not scheduled transfers
Our verdict on Tunzi
Tunzi is a mobile and web savings and investment application for individuals and groups. It supports personal and shared savings goals, reminders, progress tracking, savings reports and deposits through MTN mobile money. Individuals can use spending-based prompts, mobile-money activity prompts, round-down and save-on-spend rules, or a 52-week challenge to build saving habits. Groups get shared goals, member notifications, group chat and approval-based withdrawals. The service is operated by Moneto Ventures Limited in Rwanda and is authorized by Rwanda’s Capital Markets Authority.
The pricing model is straightforward: Tunzi is free to use, with no monthly or maintenance charge, while withdrawal fees apply. Its goals can be normal, locked or challenge-based, and the published product details describe interest-bearing balances for each of those goal types. That combination makes Tunzi a fit for users who want saving prompts and goal structure without a subscription, particularly when the goal is shared with other members. It is less suited to anyone seeking a fee-free withdrawal experience or a more conventional scheduled-transfer system.
Platform and ecosystem fit are centered on web, iOS and Android access, with MTN mobile money supporting deposits and withdrawals and WhatsApp listed as an integration. Withdrawals are handled through requests to mobile money, while group withdrawals use an approval workflow rather than a single-person release. The strongest use case is organized saving: family, friend or community groups can combine a shared target with notifications, chat and member approval. Choose Tunzi if free personal or collaborative goals, challenge mechanics and interest-bearing options match your needs. Consider an alternative if you need broader payment integrations, automated scheduled transfers or a withdrawal model without fees.
Your product? Our editors can test Tunzi in depth and publish a review, labelled as paid · from $149/mo →
Tunzi pricing
Tunzi fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Card roundups | No |
| Scheduled transfers | Not verified |
| Custom savings rules | Yes |
| Savings goal limit | Not verified |
| Interest on savings | Yes |
| Withdrawal method | Manual |
| Supported platforms | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Support | Email, Live chat |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 2 integrations: MTN mobile money, WhatsApp |
| Pricing | Free plan |
| Website | tunzi.money |
| Facts checked | 20 Sep 2026 |
Tunzi integrations
Tunzi lists 2 integrations on its own site.
- MTN mobile money
Alternatives to Tunzi
- PlumA broad savings and investing app with free automation and tiered upgrades.9.4
- ChipA flexible UK savings app with AI autosaves, goals, investments and quick withdrawals.9.1
- PiggyVestA free savings app with automation, targets, flexible wallets, and fixed-term options.8.9
Used Tunzi? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Tunzi for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Tunzi is listed in our Automated Savings Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/tunzi/"><img src="https://www.itechguides.com/best/badge/tunzi.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update