This cash vs M-Pesa ratio calculator shows the split of your takings between cash and mobile money, a useful signal for reconciliation, theft risk and how ready your records are for KRA.
Cash is harder to track and easier to lose to leakage than mobile money, which leaves a trail. A high cash ratio is a sign to be strict about recording every cash sale, since that is where reconciliation gaps and theft tend to hide.
Mobile money leaves a record by default; cash does not. So the higher your cash share, the more discipline you need to record every sale, because cash is where shortfalls and theft most easily hide.
Tracking the ratio over time is also a useful signal. A sudden swing toward cash, with no change in your business, can be an early sign that some mobile payments are going somewhere they should not.
Finally a tool that gets Kenyan tax rules right. Zero KRA rejections since using this.
Accurate and saves me hours every month. The breakdown is clear and my staff finally understand their deductions.
Exactly what I needed. Calculated costs before ordering and saved a fortune on import duties.
Very helpful. Only thing missing is export to CSV but overall excellent.
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