Free personal plan
Personal Free
Free
PersonalFlow home base with MoneyFlow, basic budgets, savings goals, emergency planning, health summaries, and Susu participant access.
Best first step
Start here before separating household or business money.
Niatse pricing
Pricing for every wealth stage and flow.
Start with PersonalFlow, then add BusinessFlow, Production Flow, Susu operations, or custom Legacy support when the work demands it.
Recommended path
Start personal. Add operating flows only when the work grows.
PersonalFlow starts free
A personal workspace is included before any paid package.
BusinessFlow from Builder
The first paid business ladder begins at GHS 249 monthly.
Production Flow is separate
Production work adds jobs, materials, BOMs, quality, and setup complexity.
Gateway-neutral checkout
Payment routing stays behind Niatse instead of tying the frontend to one provider.
PersonalFlow packages
Start free, then upgrade when life gets shared.
Personal finance is the foundation. Business growth packages build on top of Personal Plus and Household Full instead of forcing personal life into a business workspace.
Roadmap access
Personal Plus
Coming soon
Richer personal reports, advanced AI guidance, multiple goals, deeper cashflow clarity, and stronger personal financial intelligence for one user.
Personal upgrade
For stronger reports, goals, and AI-assisted money clarity.
Roadmap access
Household Full Package
Coming soon
Shared budgets, invited household members, family obligations, school fees, shared goals, and permissioned visibility for non-business groups.
Shared life
For families and non-business groups coordinating obligations.
BusinessFlow packages
Builder, Business, and Enterprise stay in one business ladder.
BusinessFlow begins when personal money is no longer enough: separate business records, customer operations, team workflows, documents, reporting, and growth evidence.
Builder stage
RecommendedBuilder
For teams ready to operate sales, cashflow, customers, and payments.
Recommended fit
Best starting package for most active businesses moving beyond personal tracking.
USD 16/ month
USD is a display layer. Paystack charge: Custom.
Checkout appears only after an active provider price is configured.
Full Personal Plus included
Full Household package included
One BusinessFlow workspace
Invoices, CRM, products, and reports
Business stage
Most capableBusiness
For established businesses coordinating deeper workflows.
Recommended fit
Best for teams that need automation, operators, storefronts, and deeper proof.
USD 39/ month
USD is a display layer. Paystack charge: Custom.
Checkout appears only after an active provider price is configured.
Everything in Builder
More seats and operating limits
Susu Operator Office eligibility
Advanced trust and automation
Enterprise stage
Custom scaleEnterprise
For larger organizations, partners, and governed infrastructure needs.
Recommended fit
For governed teams, multi-entity groups, and partner infrastructure.
Custom
USD is a display layer. Paystack charge: Custom.
Custom workspace limits
APIs and governed configuration
Partner-ready support
Custom reporting and integrations
Production Flow packages
Production Flow is powered by BusinessFlow plus inventory and production engines. It is priced separately because production work adds jobs, materials, BOMs, scheduling, quality, yield, and implementation complexity.
Production start
Production foundation
Production Builder
For small producers managing jobs, materials, inventory signals, production records, and production reports.
For producers who need jobs, materials, and production records in one place.
Coming soon
Job and work tracking
Materials and inventory signals
Production records
Production reports
Recommended for production teams
Active production
Production Business
For production teams needing work orders, BOMs, scheduling, quality checks, yield tracking, and landed costs.
For teams that need BOMs, scheduling, quality, and yield discipline.
Coming soon
Everything in Production Builder
BOMs and work orders
Production scheduling
Quality and yield tracking
Implementation-led
Custom production OS
Production Enterprise
For factories, multi-site operators, custom workflows, integrations, implementation support, and advanced reporting.
For multi-site operations, integrations, and custom production workflows.
Coming soon
Custom workflows
Multi-site configuration
Custom reports and dashboards
Implementation support
Implementation and setup support may be required for advanced production packages.
Susu / Social Finance
Susu is priced as a social finance layer, not as a generic payment product. Contribution money, operator commission, Niatse subscription, and Niatse service fees remain separate streams.
Free start
Free entrySusu Participant
Join circles, track obligations, view contribution history, and build participant trust evidence.
Best for members who need visibility, history, and trust evidence.
App-operated circles may show a transparent service fee before contribution.
Coming soon
Operator pathManual Circle Operator
Log cash or MoMo collections, members, arrears, payout order, reminders, and operator records.
For organizers managing members, arrears, reminders, and payout order.
Included in eligible Business and Enterprise packages or sold as an operator add-on later.
Coming soon
Assisted rolloutManaged Digital Circle
Use Niatse-assisted coordination for app-operated circles, contribution proof, and payout visibility.
For circles that need coordinated digital operations and transparent fees.
Contribution money, operator commission, Niatse subscription, and Niatse service fees stay separate.
Legacy stage
High-trust advisoryLegacy / Family Office
Custom support for family office coordination, succession records, long-term wealth evidence, governance, trusted contacts, continuity planning, and advanced permissions.
Recommended fit
For continuity, governance, succession, and long-horizon wealth coordination.
Custom
Compare flow access
Plans stay transparent: users choose the flow they need, while Niatse engines power the work behind it.
| Capability | Personal | BusinessFlow | Production | Legacy |
|---|---|---|---|---|
| PersonalFlow | Included | Included | Included | Custom |
| BusinessFlow workspace | Not included | 1 to custom | 1 to custom | Custom |
| MoneyFlow engine | Basic to advanced | Advanced | Advanced | Governed |
| Invoices, CRM, storefront | Not included | Included | Included | Custom |
| Production workflows | Not included | Add-on later | Included | Custom |
| Susu Operator Office | Participant only | Eligible | Eligible | Custom |
| Implementation support | Self-serve | Package-based | Package-based | Required |
Why is Production Flow priced separately?
Production adds workflow-specific work such as BOMs, jobs, scheduling, yield, quality, landed costs, and implementation support on top of BusinessFlow.
Is checkout tied to one payment gateway?
No. Niatse keeps payment routing provider-neutral on the frontend. Gateway details stay behind the platform.
How do Susu fees work?
Susu contributions, operator commission, Niatse subscriptions, and any Niatse service fees are separate so circles stay transparent.
Why is Legacy custom?
Legacy and family office work is high-trust and advisory-sensitive, so it should start with a governed conversation instead of self-serve checkout.