Why MomoCalc exists
Mobile money has become the default financial infrastructure for hundreds of millions of people across Africa: MTN MoMo, M-Pesa, Wave, Orange Money, Airtel Money, OPay, PalmPay, Telecel, Moov and a dozen others move daily volumes equivalent to a substantial share of national GDPs. And yet the most basic question a user faces — how much will this transfer cost me? — often has no simple answer, because every operator publishes its tariff sheet in a different format, government levies stack on top of operator fees, and legislative changes (Ghana E-Levy, Nigeria EMTL, Cameroon TTA) come into force with little notice.
MomoCalc was built to answer that question accurately, freely, and without commercial bias. The project launched in 2025 at Blackcedar Media Limited, an independent company based in Accra, Ghana, founded by James Idayi. We do not sell a money-transfer service, we do not receive operator commissions, and we are not affiliated with any bank, fintech or remittance hub. Our only product is fee transparency.
What we cover
As of writing, MomoCalc covers 18 African countries: Ghana, Nigeria, Senegal, Côte d'Ivoire, Mali, Burkina Faso, Togo, Benin, Sierra Leone (West Africa); Kenya, Tanzania, Uganda, Rwanda, Ethiopia (East Africa); Cameroon, Zambia, Mozambique, South Africa (Central & Southern). That spans 53 operators, several hundred tariff bands (send and withdrawal), a dozen active government levies, and the major cross-border corridors: WAEMU PI-SPI, EAC M-Pesa Global and Nigeria → Africa.
Every country page lists the local operators with their send fees per band, their withdrawal fees per band, the applicable government levy, and an instant calculator that combines all of it for a given amount. Cross-border corridors have their own dedicated pages with their specific characteristics (PI-SPI free for WAEMU individual transfers, domestic-tier pricing for M-Pesa Global EAC).
What makes MomoCalc different
Three things distinguish MomoCalc from other attempts:
1. We cite our sources. Our methodology documents where every number comes from (operator tariff sheet, statute, regulator bulletin), and we update when sources change — not every six months.
2. We cover corridors, not just countries. Most comparators stop at domestic fees. MomoCalc includes the regional rails: WAEMU PI-SPI (free for individual transfers since 30 Sep 2025), M-Pesa Global EAC, Nigeria → Africa via MTN MoMo, and the inbound corridors from the UK, US, UAE and France.
3. We publish our limits. On the Methodology page, we explicitly document what we do not capture (rural vs urban agent variations, unpublished agent float fees, temporary promotional pricing). The goal is to give users an honest and navigable reference, not an impossible accuracy promise.
The team and governance
MomoCalc is published by Blackcedar Media Limited, an independent company registered in Ghana. Data verification is run by a small team in Accra, supported by a network of local contributors across several covered countries who flag tariff changes. For questions, corrections or press inquiries, write to hello@momocalc.com. We acknowledge all messages within 48 business hours and apply corrections within 7 days for verifiable changes.
MomoCalc has no user accounts, stores no personal data, and uses anonymous, cookieless analytics — see our privacy policy. The site is served from Cloudflare Workers and uses D1 for its database.