Cash Control

How to do end-of-day cash-up in a Kenyan shop

Updated 7 May 2026 · Featured guide
End-of-day cash-up helps Kenyan shops compare recorded sales, expenses, transfers, Cash, M-PESA and Bank balances before closing.

End-of-day cash-up is one of the most important routines for a Kenyan shop, kiosk, mini-mart or small trading business. It helps the owner check whether the money recorded during the day matches the money actually held in Cash, M-PESA and Bank.

What end-of-day cash-up means

Cash-up means reviewing the day before closing. You check what came in, what went out, what moved between accounts, and what is actually left at the end of the day.

Simple example

  • Opening Cash: KSh 5,000.
  • Cash sales: KSh 12,000.
  • Cash expenses: KSh 2,000.
  • Cash deposited to Bank: KSh 4,000.
  • Expected closing Cash: KSh 11,000.

If the actual counted Cash is KSh 10,300, the Cash is KSh 700 short. That difference should be investigated before everyone forgets what happened during the day.

End-of-day checklist

  1. Check that all Cash sales were recorded.
  2. Check that all M-PESA sales were recorded.
  3. Check that all Bank or card sales were recorded.
  4. Record any business expenses paid during the day.
  5. Record invoice payments received from customers.
  6. Record supplier bill payments made during the day.
  7. Record transfers between Cash, M-PESA and Bank.
  8. Count physical Cash carefully.
  9. Check the real M-PESA balance.
  10. Check Bank or card account balance if needed.
  11. Compare actual balances with expected balances.
  12. Investigate any difference before closing.

Common mistakes during cash-up

  • A customer paid by M-PESA but the sale was recorded as Cash.
  • Cash was removed for banking but no transfer was recorded.
  • A supplier was paid from M-PESA but the payment was recorded as Cash.
  • A small expense was paid from the till and forgotten.
  • Opening Cash was entered wrongly.
  • The till was counted too quickly.

How Bizwazi helps

Bizwazi separates Cash, M-PESA and Bank, records sales and expenses, tracks transfers, and helps compare expected balances with actual balances. This makes it easier for a Kenyan shop owner to see when the day’s money does not make sense.

Best habit

Do cash-up every day, not only at the end of the month. A mistake from today is easier to remember today than three weeks later.

How Bizwazi helps

Bizwazi gives small businesses a simple way to record sales, expenses, invoices, inventory, supplier bills, transfers, daily balances and reports in one place.