🇰🇪 Kenyan fintech — Built in Nairobi

Save daily.
Pay bills on time.
Every time.

Earned Ksh 500 at the stage today? Send Ksh 150 straight to your rent. LipaBill collects your daily earnings and automatically pays your landlord, school, or KPLC on the due date — no matter how small each payment.

🆓 100% free to download — Works with M-Pesa
Get it free on Google Play
⭐ 4.8 rating 🔒 M-Pesa secure ✅ CBK compliant
2,400+ Kenyans saving for their bills daily
M-PESA Integrated
🔒 256-bit Encrypted
🏦 CBK Compliant
4.8 Google Play
📍 Made in Nairobi
The real problem

83% of Kenyans earn windfall income.
Bills don't care when you earn.

Boda riders, mama mboga, jua kali workers — you earn well, but by the time the landlord calls at month-end, it's gone. LipaBill solves exactly this. Save as you earn, pay when it's due.

83%
Kenyans in the informal sector (KNBS, 2024)
1 in 3
Urban renters miss rent at least once a year
Ksh 0
Cost to sign up and start saving
Auto
LipaBill auto-disburses on the due date
Simple 4-step process

From daily earnings to paid bills

No bank account needed. Works 100% through M-Pesa.

1

Sign up free

Register with your phone number in under 2 minutes. No paperwork or bank account required.

2

Add a bill

Add rent, school fees, KPLC or any fixed bill. Set the amount and due date.

3

Send daily

After every shift or sale, send any amount via M-Pesa to your bill wallet. Even Ksh 50 counts.

4

We auto-pay

On the due date, LipaBill automatically sends the full saved amount directly to your landlord or payee.

Who it's for

Built for everyday Kenyan earners

If your income is daily but your bills are monthly — LipaBill is for you.

🛵

Boda boda riders

You earn every day at the stage but rent comes once a month. Stop spending before the landlord calls.

📈 Avg. daily earnings: Ksh 500–1,500
🥬

Mama Mboga

Market days are unpredictable. LipaBill keeps school fees on track no matter how business goes.

📈 Avg. daily earnings: Ksh 300–1,000
🪚

Jua Kali artisans

Casual jobs, fixed bills. Whether you get a contract or not, your rent is already being covered.

📈 Avg. daily earnings: Ksh 600–2,000
⚡ Boost feature

Fell short?
We top you up.

Bill is due and you're Ksh 2,000 short? Boost lends you the exact shortfall at a small, transparent rate. No loan sharks. No hidden fees. No shame.

Instant decisionApproved in seconds, not days

Small flat rateYou always know exactly what you'll repay

Builds your credit scoreEvery repayment strengthens your financial profile

Only borrow the shortfallNot a lump sum you'll be tempted to misuse

Example Boost scenario
Monthly rentKsh 8,000
You saved via LipaBillKsh 5,500
Boost covers shortfallKsh 2,500
Flat Boost fee (3%)Ksh 75
Repay within7 days
🏠 Landlord receives full Ksh 8,000 on due date
Community voices

What our users say

Real stories from Kenyans who stopped missing due dates.

★★★★★

"I used to spend all my earnings after every run. Now rent goes automatically. I have never paid late again. LipaBill changed my life."

🛵
James M.
Boda boda rider, Kayole
★★★★★

"My daughter's school never sent a debt letter this term. For the first time since I started selling at Gikomba. I am so grateful."

🥬
Grace W.
Mama Mboga, Gikomba
★★★★★

"Boost saved me in December when business was slow. I was Ksh 3,000 short but my landlord received the full amount on time."

🪚
Peter K.
Jua kali welder, Githurai
🚀 Coming soon
✨ New feature

Save together.
Reach goals faster.

Planning a family Easter retreat? Church fundraiser? School trip? LipaBill Group Pools lets your group contribute daily amounts via M-Pesa toward a shared goal — and everyone can track progress in real time.

No more waiting for someone to collect the full amount. No awkward reminders. No missed contributions. Everyone commits, everyone contributes a little at a time.

Be the first to know when Group Pools launches. No spam, ever.

Perfect for any group goal

Lipa pole pole — together.

Whatever your group is saving toward, LipaBill Pool makes the contributions automatic, transparent, and stress-free.

🌴

Family retreats & holidays

Your family WhatsApp group has been planning the Easter trip for months. Now everyone chips in Ksh 200 a day instead of one person footing the bill.

Example
🌴 Easter Retreat · Ksh 50,000
Ksh 31,200 saved6 contributors
🙏

Church & chama fundraisers

Running a harambee? Set a Pool, share the link to your group, and watch members contribute daily micro-amounts — all tracked automatically.

Example
🙏 Church Building Fund · Ksh 200,000
Ksh 76,000 saved34 contributors
🎓

School trips & fees

Parents can save daily toward school trip costs or term fees together — no last-minute scrambles, no borrowing from neighbours.

Example
🎓 Class Trip Mombasa · Ksh 30,000
Ksh 24,000 saved15 contributors

How Group Pools work

1

Create a Pool

Name your goal, set a target amount, and pick a due date. Takes 30 seconds.

2

Invite your people

Share a link via WhatsApp. Members join with one tap — no app download required to contribute.

3

Everyone contributes

Members send any amount any time via M-Pesa. Every contribution is visible to all.

4

Goal reached — funds released

On the due date, LipaBill releases the full amount to the organiser via M-Pesa automatically.

Get in touch

We'd love to hear from you

Questions, partnerships, investor enquiries or just saying hello — our team is in Nairobi and always happy to connect.

✉️
📍
Our office
Uniafric House, Nairobi, Kenya

Follow @lipabillapp on all platforms

LipaBill Kenya HQ
Uniafric House
Nairobi, Kenya
📍 Get directions

Start saving for your bills today.

Join thousands of Kenyans who never miss a due date.

Free to download · Works with M-Pesa · Android

★★★★★ 4.8 stars · 240+ reviews · Android only