M-Pesa Reconciliation Calculator (Kenya)

This M-Pesa reconciliation calculator compares your recorded sales against M-Pesa received and cash counted, so you can see at a glance whether the day balances and by how much.

By Veira Team, Kenya SME toolsPublished June 2026Updated June 2026

Calculator

Total sales recorded (KES)

M-Pesa received (KES)

Cash counted, less float (KES)

Result

Short by KES 1,000

Sales recordedKES 50,000

M-Pesa + cash collectedKES 49,000

Difference-KES 1,000

What it meansMoney expected did not arrive: unpaid sale, wrong number, or unrecorded withdrawal

M-Pesa received plus cash taken (after removing your opening float) should equal total sales. A shortfall usually means an unpaid sale or an unrecorded withdrawal; a surplus means a sale was paid but never rung up. Trace the largest unexplained transaction first.

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How daily reconciliation works

Reconciling is simply checking that what you sold equals what you collected. Add your M-Pesa received and the cash in the drawer after removing the float you started with. That total should match your recorded sales.

If it does not, the gap is information. Short means money you expected did not arrive, usually an unpaid credit sale, a payment to the wrong number, or cash taken out and not recorded. Over means a payment came in for a sale nobody rang up. Doing this daily keeps any gap small enough to trace.

Worked examples

A small shortfall

Sales KES 50,000. M-Pesa KES 30,000 plus cash KES 19,000 is KES 49,000.
Short by KES 1,000: look for one unpaid sale.

Frequently asked questions

How do I reconcile my M-Pesa till?

Add your M-Pesa received and the cash counted after removing your opening float, then compare the total to your recorded sales. If they match, the day balances. If not, the difference points you to the cause.

Why is my till short?

A shortfall usually means a sale was made but never paid, a customer paid the wrong number, or cash was taken out during the day and not recorded. Trace the largest unexplained transaction first.

Why is my till over?

Money arrived that was never recorded as a sale, so your sales figure understates the day. It still matters because your records, and your tax figures, are then wrong.

How often should I reconcile?

Every day at close. A daily gap is small and recent enough to trace while staff still remember the day. A monthly gap is almost impossible to explain.

Does Veira reconcile automatically?

Veira links each sale to its payment as it happens, so the day is already matched at close and any unmatched sale or payment is flagged for you.