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SACCO management software that keeps your books balanced.

Members, savings, shares, loans and accounting in one place. Every shilling is posted to the ledger automatically, so your trial balance is always ready — for SACCOs, savings groups, staff SACCOs and microfinance institutions in Uganda.

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  • Double-entry accounting
  • Maker–checker approvals
  • SMS alerts to members

What is SaccoMonitor?

SaccoMonitor is SACCO software that runs the whole cooperative from one web system: member records, savings and share accounts, loans, and the accounting behind them. It replaces paper registers and spreadsheets with records that add up and reports the board can trust.

Community SACCOs

Members, savings, shares and loans for village, parish and town SACCOs, including Emyooga and Parish Development Model groups.

Staff SACCOs

Payroll-deduction savings and loans for employees of one organisation, with statements members can check themselves.

Savings & investment groups

Clear contributions, share capital and loans for groups outgrowing a notebook or spreadsheet.

Microfinance institutions

Loan portfolio, arrears and penalties with the accounting and audit trail an MFI needs.

Features

One system for the whole SACCO.

Every deposit posted, receipted and texted.

Tellers record cash, mobile money, bank and cheque deposits in seconds. Large withdrawals wait for a second officer, and each member gets an SMS with the new balance.

  • Printable receipts for every transaction
  • Withdrawal approval above a limit you set
  • Minimum balances, fees and dormant accounts
More about savings & withdrawals

Built for daily SACCO work

Everything the office needs, nothing it doesn't.

How it works

Move off spreadsheets in an afternoon.

1

Register your SACCO

Create your account and SACCO profile. The chart of accounts, default savings and share products, and staff roles are set up for you.

2

Bring your members over

Upload your Excel register — members, old member numbers and opening savings and share balances. Everything is checked before it is saved.

3

Start transacting

Tellers post deposits, withdrawals and repayments. Members get SMS receipts, and the books update themselves.

Read the step-by-step plan for digitizing a SACCO

Controls & security

Your members' money, protected by process.

Good software doesn't just record money — it stops mistakes and fraud before they happen.

How SaccoMonitor protects your data

Maker–checker

The officer who captures a loan or large withdrawal cannot approve it, and nobody approves their own loan.

Nothing is deleted

Mistakes are reversed with a new, linked entry — the original always stays on record.

Full audit trail

Every change is logged with who, when, from where, and the values before and after.

Safe sessions

Idle sign-outs, sign-out of other devices, and immediate revocation when a staff member leaves.

Guides

Learn how SACCO management works.

Practical guides on member records, savings, loans and SACCO accounting — useful whichever system you use.

All SACCO guides and resources

Questions

Frequently asked questions

SaccoMonitor is web-based SACCO management software. It keeps member records, savings, shares, fixed deposits and loans, and posts every transaction to a double-entry general ledger so the trial balance, income statement and balance sheet are always up to date.

Savings and credit cooperatives (SACCOs), staff SACCOs, savings and investment groups and microfinance institutions that want proper books and member records without running their own servers.

Yes. You can upload your member register from Excel or CSV, including old member numbers and opening savings and share balances. Every row is checked before anything is saved, and opening balances are posted to a dedicated migration account so your first trial balance can be compared with your old books.

Yes. Members sign in with their phone number to see balances, statements and loan schedules, apply for loans and request withdrawals. Staff review and approve every request.

Yes. It runs in any modern web browser on a computer, tablet or phone, and screens load only when they are opened, which keeps it light on mobile data.

Every report — from the member register to the balance sheet — downloads as an Excel workbook or a PDF, or prints with your SACCO letterhead.

Ready to see your SACCO clearly?

Register in minutes, import your members, and post your first deposit today.

Get startedRegister your SACCO