Zango · financial software studio

We build the software that moves Zambia’s money.

Four products, one discipline: a business runs its books on ZangoFinance, a person runs their spending on SpendWise, an organization runs its investments on Treasurer, and its paperwork moves through Docusecure. Everything that passes through them leaves a trail.

Flagship product

ZangoFinance

The financial operating system for property businesses

ZangoFinance runs the whole money side of a property business in one place. Leases generate the invoices, payments post to a real general ledger, payroll handles Zambian statutory deductions, and the reports an accountant actually asks for — P&L, balance sheet, cash flow, AR aging — come out of the same books. Multi-tenant from the ground up, with reminders that chase rent so you don’t have to.

INVInvoicing & payments
Lease-driven and recurring invoices, receipts, and AR aging.
GLGeneral ledger
Full chart of accounts with journal posting behind every entry.
PAYPayroll
Zambian statutory deductions, approval gates, payslip delivery.
POSPoint of sale
Till sessions that post straight into the ledger.
PROPProperty & leases
Properties, units, renters, and leases that bill themselves.
RPTReports
P&L, balance sheet, cash flow, and trial balance on demand.
Open ZangoFinance
Journal · Sep 2026balanced
DateAccountDebitCredit
04 SepAccounts receivable12,400.00
04 SepRental income — Chilenje Court12,400.00
05 SepBank — ZANACO operating12,400.00
05 SepAccounts receivable12,400.00
30 SepSalaries & wages expense486,210.00
30 SepPAYE / NAPSA / NHIMA payable131,540.00

Amounts in ZMW · every module posts here

The rest of the family

Also from Zango

ZangoFinance runs the business. These run everything around it — the money in your pocket, the money in the treasury, and the paperwork in between.

Zango SpendWise

Mobile app · iOS & Android

Personal finance

A budgeting app where paying and recording are the same motion. Pay anyone on Airtel Money from inside the app — you approve with your own PIN, the money moves in seconds, and the expense lands in the right budget line before the SMS arrives.

  • Budgets with monthly limits, tracked as you spend
  • Linked accounts: bank, Airtel Money, MTN MoMo, M-Pesa
  • Zango Wallet — a closed-loop wallet for approved merchants
  • Spending analytics by category, month, and merchant
Request a demo

Zango Treasurer

Web app

Treasury & investments

Multi-tenant treasury and investment management for organizations that hold instruments, not just cash. Track holdings and maturities across a portfolio, with AI-assisted validation of the documents behind every position.

  • Portfolio, holdings, and maturity tracking per organization
  • Role-based access for treasurers, admins, and members
  • Document validation with an LLM reading the paperwork
  • Live updates over GraphQL subscriptions
Visit Zango Treasurer

Zango Docusecure

Web app

Document workflows

Document workflow management for organizations where files still move between desks. Docusecure digitizes the whole journey — upload, route, act, file, archive — so nothing gets lost in a tray and every handover is on record.

  • Route documents through a real reporting hierarchy
  • Deadline tracking with accountability at every desk
  • Full audit trail of who held what, and when
  • Role-based access, from registry clerk to head
Request a demo

How we build

A small studio with one obsession: numbers that reconcile.

Money software is ledger software

Every product we ship is double-entry underneath — a payment, a payslip, or a T-bill is a posting, so the numbers always reconcile.

Built for how Zambia pays

Airtel Money, MTN MoMo, kwacha statements, NAPSA and PAYE — the rails and rules here are first-class citizens, not an afterthought.