Rumidza
Never miss a lead. AI marketing and lead generation for growing businesses.
- AI replies to customer messages, day and night
- Lead scoring and follow-up reminders
- Content planner, giveaways and comment-to-DM
- AI Studio for images and videos
Plant knowledge.
Grow wealth.
Clear money guidance for people building businesses and savings from small beginnings. Practical guides, free calculators and templates, written for the global economy and for African markets.
Watch a small habit grow
Illustrative only. Returns go up and down and are never guaranteed. Try your own numbers
Today's money tip
Send invoices the day the work is done. Every day you wait is a day added to when you get paid.
1 day in a row
Come back tomorrow to keep your streak growing.
Choose a path
Short, ordered reading lists that take you from the problem to a plan. Your progress is saved on this device.
- Fix my cash flowFor owners who are profitable on paper but always short of cash.5 steps
- Price for profitFor anyone unsure whether their prices actually make money.5 steps
- Turn pain into profitFor anyone who wants to start or grow a business by solving real problems.6 steps
- Build my safety netFor households that want to stop living one bad month from trouble.5 steps
- Start investingFor savers ready to understand how money grows over time.4 steps
- Run a business in AfricaFor owners pricing, borrowing and selling in fast-changing markets.5 steps
- Run a leaner business with AIFor owners who want software and AI to do more of the admin.4 steps
Guides to start with
All 49 guides- Business financeHow to Calculate Your Business Profit Margin
- Money softwareBest Accounting Software for Small Businesses
- Africa HubHow to Run a Business in a Multi-Currency Economy
- Personal financeHow to Build an Emergency Fund From Scratch
- AI and moneyHow Small Businesses Can Use AI to Reduce Costs
- Pain Has MoneyPain Has Money: Why Every Problem Is a Business Opportunity
Free money tools
Put in your own numbers and get an answer in seconds. Save results to My Forest to come back to them.
- Profit margin calculatorSee your gross and net margin from revenue and costs.
- Break-even calculatorFind how much you must sell each month before you make a profit.
- Pricing and markup calculatorTurn a cost and a target margin into a selling price.
- Pain FinderList the problems you notice, score each one, and see which is worth turning into a business.
- 12-month cash-flow forecastProject your bank balance a year ahead and spot the tight months.
- Loan repayment calculatorWork out the monthly payment and total interest on a loan.
- Compound growth calculatorWatch a starting amount and monthly savings grow over the years.
- Emergency fund calculatorSet your safety-net target and see how long it takes to reach.
- 50/30/20 budget calculatorSplit your take-home pay into needs, wants and savings.
- Debt payoff plannerCompare the avalanche and snowball methods on your own debts.
- Multi-currency price protectorSet a price today that still covers your cost when you restock.
Africa Hub
Most finance advice online assumes one stable currency, easy credit and a bank on every corner. Many African businesses work with none of those. The Africa Hub covers pricing in more than one currency, protecting cash when prices move every month, finding finance, getting paid from abroad and marketing on a small budget.
Explore the Africa HubSoftware from our team
We also build software for growing businesses. These are our own products, and we say so wherever we mention them.
Wayfen
Field-team management for businesses with people on the road.
- Clock-in and visit check-ins from any phone
- Daily reports and targets for every field rep
- Budgets, expenses and performance in one dashboard
- Works for any sector, in many languages
Wherever there is pain, there is money.
Every lasting business takes away someone's pain: wasted time, lost money, risk, stress. Learn to spot the problems people face in business and in life, and get paid for solving them well.