Tell every franc
where to go — before
the month starts.
Pango is the free budgeting app built around how you actually manage money — school fees, ikimina, mobile money, and family support. Plan it once. Watch it work all month.
Three steps to a plan you'll actually keep.
No spreadsheets, no jargon — just your money, organized around your life.
Add what you earn
Salary, side income, remittances — enter every source once, and Pango keeps track from there.
Plan every category
School fees, transport, ikimina, groceries — give every franc a job before the month begins.
Stay on track
Contextual nudges tell you when a category's running hot or a bill's coming due — not just a generic reminder.
Everything you need to start planning, at no cost.
The core of Pango is free — no trial period, no credit card, no catch.
Zero-based budgeting
Plan monthly or termly, down to the last franc.
Sinking funds
Save ahead for school fees and other costs you can see coming.
Debt payoff tracker
Pay down loans smallest to largest, and watch the list shrink.
Bill reminders
Never miss a due date — or a fund you meant to top up.
Low-data design
Built to work well even on a slow connection.
3 languages
Kinyarwanda, French, and English — built in from day one.
Go further with automation and a fuller picture.
When you're ready for more, Classic adds automatic tracking and deeper insight — choose a Personal, Family, or Group pack to fit how you budget.
Shared budgets (Family & Group packs)
Choose which budget to share — father, mother, and 3 children on Family, or 5 friends on Group. Everything else stays personal.
Net worth & goal roadmap
See the whole picture — not just this month, but where you're headed.
Plain-language spend summaries
Short, clear insights on your spending — no charts to interpret yourself.
No account needed. Just answers.
A few quick tools to help you plan, right from the website — try them before you even download the app.
Which best describes your money situation?
Pick one — we'll point you to where to start.
🏺 School Fees Savings Calculator
See how much to set aside each month before fees are due.
❄️ Debt Snowball Calculator
Estimate how long it'll take to clear a loan at your current payment.
🤝 Ikimina Contribution Planner
Work out a fair monthly contribution for your savings group's goal.
Start free. Choose your Classic pack when it's worth it.
Free
Everything you need to build and keep a real budget.
- Zero-based budgeting
- Sinking funds & savings goals
- Debt payoff tracker
- Bill reminders
- Low-data design, 3 languages
Choose the pack that fits
- Personal — 5,000 RWF/mo · 1 person
- Family — 15,000 RWF/mo · up to 5 (parents + 3 children)
- Group — 15,000 RWF/mo · up to 5 friends
Everything in Starter, plus:
- Plain-language spend summaries
- Net worth & goal roadmap
- Custom reports & CSV export
- Family/Group: Each one's budget with Shared categories, up to 5 people
Coming soon
More details to come.
Questions, support, and how we handle your data.
Pango is built by ACHATE BDM, a Rwanda-based technology company. Reach us directly, check a quick answer, or read how your data is handled.
Contact Us
Have a question, a partnership idea, or feedback? Send us a message.
Privacy Policy
How we collect, use, and protect your data — and what stays private by default.
Read the full Privacy Policy →