Learn, Grow, and Make Better Money Decisions

Making personal finance and wealth creation simple, practical, and purpose-driven.


Set Free Capital helps informal earners turn ordinary income into long-term, income-generating assets that provide passive income through financial education, disciplined action, and pooled opportunities.

Financial education and wealth creation platform for informal earners

Our Partners

Lake Basin Dental and Orthopedic Center Logo - Partner of Set Free Capital
Equity Group Holdings Logo - Partner of Set Free Capital
ArvoCap Asset Management Logo - Partner of Set Free Capital
Co-operative Bank of Kenya Logo - Partner of Set Free Capital
Zimele Holdings Logo - Partner of Set Free Capital
Speak Kenya Logo - Partner of Set Free Capital
Irise Foundation Logo - Partner of Set Free Capital
Redeemed Gospel Church Dominion Christian Centre [Imaara Daima] Logo - Partner of Set Free Capital

Who We Are

Set Free Capital is a faith-driven financial empowerment initiative providing financial literacy, wealth creation strategies, and investment opportunities based in Embakasi South Subcounty in Nairobi, Kenya. It serves individuals, families, groups, businesses, and institutions across Kenya and beyond.

We equip people and organizations with financial literacy, income strategies, and practical investment pathways — grounded in Biblical stewardship and sound financial principles.

Through transparency, discipline, and long-term thinking, we help our community build assets that generate sustainable wealth and lasting impact.

We proudly operate in partnership with Redeemed Gospel Church - Imara Daima, united by a shared commitment to integrity, faith, and transformation.

Our approach blends:

  • Biblical Finance
  • Financial Intelligence
  • Wealth Strategy
  • Asset Building
  • Performance Discipline
  • Transparent Systems
Start Building Wealth Today

WHY JOIN OUR JOURNEY TO FINANCIAL FREEDOM

There are a multitude of reasons you have to join us but you only need one

Why join Set Free Capital - Home of Financial Freedom
Set Free Capital clients experiencing improved productivity and financial outcomes

IMPROVEMENTS GAINED UPON JOINING US

Productivity 100%
Time Utilization Efficiency 90%
Debt Reduction Progress 78%
Financial Confidence Improvement 88%

How We Help

Your learning journey with Set Free Capital

Events & Trainings

Learn in a simple, practical way. Join our seminars, webinars, or workshops — or invite us to your chama, team, organization, or workplace. We customize each session to real-life needs, making ideas easy to understand and apply, while supporting your goals, teamwork, and ongoing employee development for lasting results.

Attend or Invite Us

Explore opportunities safely

Our dashboard offers a quick overview of available investment opportunities and highlights a few CMA-approved providers in each space. It’s designed to help you understand, compare, and make more confident decisions as you explore and compare what the wider market offers.

Visit the Opportunities Dashboard

Participate - at your pace

Join our collective programs whenever you’re ready. Start small, build consistency, and grow at a pace that works for you. We walk with you step by step — helping you save, invest wisely, stay disciplined, and celebrate progress along the way, no matter where you’re starting from.

Explore Collective Programs

Build Valuable Skills

Learn new skills in a supportive, hands-on environment. Some of our courses are completely free, and others have a small, affordable fee. Every student also receives free financial-literacy training so you can start work life with smart money habits and a strong foundation for building wealth.

Explore Courses We Offer

Earn Through Community Jobs

Be part of our trusted team. We connect you with fair-pay opportunities in your community — whether you’re skilled or simply willing to help and learn. Examples: cleaning, caregiving, errands, plumbing, electrical, laundry, babysitting, office help, and more.

Apply to Join the Team

Hire Trusted Help

When something needs to be done, we’ve got someone you can trust. Our team supports homes, offices, and businesses — kindly, professionally, and affordably. Examples: residential & office cleaning, caregiving, laundry, drivers/chauffeurs, riders and deliveries, electrical, plumbing, errands, and general support.

Request Help Today

Work Process

Discover our clear, step-by-step work process designed to make your financial journey simple and effective. From your first consultation to personalized coaching sessions and ongoing support, we tailor every phase to fit your unique needs. Explore how our structured approach keeps you motivated, accountable, and steadily progressing toward lasting financial freedom.

Financial Check-In – Understanding Where You Are.
01

Financial Check-In – Understanding Where You Are.

We begin with a personalized financial assessment. We review:

Your income and expenses
Debts and savings
Lifestyle habits
Financial goals and challenges

No judgment, just clarity. This step helps us identify where you stand today, so we can build from solid ground.

Custom Plan – Designing Your Personal Growth Path
02

Custom Plan – Designing Your Personal Growth Path

Everyone’s journey is different. We create a tailor-made plan to suit your situation:

Struggling with debt? We’ll help you stabilize.
New job or promotion? We’ll help you grow wisely.
Business owner or hustler? We’ll help you build structure and scale.

You’ll receive a practical, achievable roadmap that reflects your reality and goals.

Budgeting & Cash Flow – Taking Control of Your Money
03

Budgeting & Cash Flow – Taking Control of Your Money

We help you:

Set up a realistic, flexible budget
Track your spending
Identify areas to cut back
Automate savings and payments
Make your money work harder for you

This is where stability begins — when every shilling has a purpose.

Income Growth – Boosting Your Earning Power
04

Income Growth – Boosting Your Earning Power

It’s not just about managing money — it’s about growing it. We explore ways to:

Increase your current income
Monetize your skills or passions
Start or grow a side hustle or business
Maximize career and promotion opportunities

No income is too small to grow. We help you think and act like a wealth builder.

Debt & Savings Strategy – Build While You Break Free
05

Debt & Savings Strategy – Build While You Break Free

We work with you to:

Pay off debt systematically (without pressure)
Start or grow an emergency fund
Set short and long-term savings goals
Avoid bad debt and build strong financial habits
Use your savings to access future opportunities

This step helps you regain confidence and financial breathing room.

Accountability & Growth – Walking With You
06

Accountability & Growth – Walking With You

We don’t leave you after the plan. We provide:

Ongoing support and reviews
Financial check-ins
Adjustments as life changes
Educational tools, tips, and group sessions
Access to our saving and investment platforms

We walk the journey with you — because real change needs support, not just advice.

Turn your current income into lasting wealth.

Whether you earn a little or a lot, we’ll show you how to grow your money, generate passive income, and move closer to your dream life - starting today.

Free Income & Expense Trackers

Free income and expense trackers built directly into your dashboard.

Income and expenses tracker dashboard showing financial overview

Track your income and expenses easily with our free online money tracker.

Stay in control of your finances, build better habits, and make smarter decisions.

  • Easy to use
  • Works on any device
  • Designed for everyday life
Use the Free Income & Expense Trackers

Online Investment Dashboard

Compare investment options, returns, and timelines in one simple online investment dashboard.

Our online investment dashboard helps you learn how different investment options work before you commit your money.

This Investment Dashboard helps you:

  • Understand different types of investment options
  • Compare sample returns, interest rates, and timelines
  • Evaluate investment features in simple language
  • Explore our programs alongside real market investment options
Launch the Investment Dashboard
Online investment dashboard showing returns, timelines, and investment comparisons

Collective Investment Programs

Join structured collective investment programs designed to help you save consistently and grow your money with accountability.

Collective investment programs for saving and growing money together

Our collective investment programs provide a structured way to save money, invest consistently, and achieve long-term financial goals.

They are built to:

  • Build disciplined saving habits
  • Learn and share financial knowledge
  • Access curated investment opportunities
  • Achieve real-life financial goals with support
Explore Collective Investment Programs

Financial Literacy Trainings & Services

Invite us for personalized financial literacy sessions or join one of our online or in-person trainings.

We provide practical financial literacy trainings for groups, organizations, families, and individuals — tailored to your needs.

Our services include:

  • 90 Min Blueprint to Financial Freedom
  • One-on-One Financial Advice & Planning
  • Corporate Staff Personal Finance Training
  • Chama Group Financial Literacy Training
  • Speaking Engagement on Financial Education
Explore Financial Literacy Trainings & Services
Financial literacy trainings and services for individuals, groups, and organizations

Meet Our Financial Experts & Coaching Team

Meet our team of financial coaches, analysts, and educators dedicated to helping you achieve financial freedom. With expertise in personal finance, investment education, and financial literacy training, our team supports your journey every step of the way.

Reverend Jackson King'oo - Director of Faith, Ethics & Spiritual Life | Set Free Capital

Reverend Jackson King'oo

Director of Faith, Ethics & Spiritual Life

I am passionate about spiritual growth, cultivating ethical living, and helping others align daily life with Kingdom values.

Janet Kilalo, Project Coordinator | Team support, planning, and project execution - Set Free Capital

Janet Kilalo

Project Coordinator

I guide activities from planning to completion, keeping goals clear and timelines steady. I enjoy supporting the team and making sure our efforts create impact.

John Kangu | Team Leader and Financial Coach at Set Free Capital

John Kangu

Team Leader, Financial Coach

I am dedicated to empowering ordinary income earners to manage personal finances effectively and build strong, Kingdom-focused financial stability.

Mophat Mwangi | Financial Analyst at Set Free Capital

Mophat Mwangi

Financial Analyst

I am dedicated to delivering clear, data-driven insights that empower clients to make informed financial decisions and unlock their full financial potential.

Faith Muoti | Financial Peer Educator at Set Free Capital

Faith Muoti

Financial Peer Educator

I enjoy mentoring young people starting out in life - helping them grow, make smarter financial decisions, and build a future they can be proud of.

Josiah Matolo | Visual Impact & Life Coach at Set Free Capital

Josiah Matolo

Visual Impact & Life Coach

I blend creativity and coaching—crafting visuals that leave lasting impressions while helping individuals grow, thrive, and achieve their personal and professional goals.

Shirlene Mbori Chebet | Education Programs Manager at Set Free Capital

Shirlene Mbori Chebet

Education Programs Manager

I manage financial literacy training programs, coordinate learning schedules, and support learners throughout their journey. I enjoy working with tutors and students to ensure learning is smooth, engaging, and impactful.

Joseph Muta | Software Developer at Set Free Capital

Joseph Muta

Software Developer

I specialize in building reliable, scalable, and maintainable software solutions. Experienced in leading development projects, solving complex technical challenges, and delivering high-performance systems.

Why People Trust Our Financial Education & Investment Guidance

Trusted financial education built on transparency, integrity, and long-term results.

Why people trust Set Free Capital financial education and investment guidance

People trust our financial education platform because we focus on clarity, transparency, and practical guidance. We help individuals and groups make informed financial decisions with confidence.

Our services include:

  • Clear and transparent financial guidance
  • Education-first approach before investment decisions
  • Community-driven savings and investment programs
  • Focus on long-term financial growth and stability
  • Personalized support from experienced financial educators
Start Your Financial Journey

STAY CONNECTED

OUR UNWAVERING COMMITMENT TO INTEGRITY

Let’s keep learning together.

  • Join a workshop
  • Ask a question
  • Invite us for training
  • Receive helpful updates

Contact Us

Join a Session
Stay connected with Set Free Capital for workshops and updates

Real Success Stories

Hear from individuals and small business owners who transformed their finances, achieved financial freedom, and grew their businesses with our expert guidance.

Mwalo Elly testimonial on financial freedom with Set Free Capital

Mwalo Elly

Ceo & Founder of Cleanax

I was trapped in debt and living paycheck to paycheck. With Set Free Capital's financial guidance, I created a savings plan and invested in my small business. Today, my side hustle is a registered business and I’m financially secure.

Josiah Musau testimonial on using financial journal to grow poultry project

Josiah Musau

Designer

Using the Kingdom Financial Planner, I tracked expenses, stayed accountable, and launched my poultry project after six months. It’s more than a journal - it’s a life-changing mindset shift.

Gladys Muigai testimonial on small business growth with Set Free Capital

Gladys Muigai

Small Business Owner, Nairobi

After attending empowerment sessions, I started saving consistently and expanded my salon. Within a year, I opened a second branch and achieved financial stability.

Raymond Rapok testimonial on achieving financial freedom and building savings with Set Free Capital

Raymond Rapok

Mechanical Engineer

I felt overwhelmed managing money—too many expenses, no clear plan. Set Free Capital helped me budget, reduce debt, and start saving strategically. Today, I’m building a savings cushion and working toward buying my first house. I finally feel in control of my finances and confident about my future.

Mercy Nabwire testimonial on becoming debt-free and growing her freelance business with Set Free Capital

Mercy Nabwire

Freelance Graphic Designer, Kisumu

With Set Free Capital’s guidance, I turned debt into financial growth, structured my freelance business, and started saving consistently. Today, I’m debt-free and confident in my future.

Frequently Asked Questions

Answers to your questions on achieving financial freedom, budgeting, saving, and investing. Get clear guidance to grow your finances confidently.

Where do I start if I’m struggling financially?

Track income and expenses first. Understanding your cash flow is the first step toward financial freedom.

How much should I save each month?

Aim for 50% of income if possible. Start small—2–5%—and grow consistently to build financial security.

Can I invest with a small income?

Yes! Small, consistent investments grow over time. Start early, stay disciplined, and watch your wealth grow.

What’s the difference between saving and investing?

Saving keeps money safe and accessible. Investing grows your money with higher potential returns and moderate risk.

How do I create a budget that works?

List income, track spending, and set limits. Use a financial planner template to simplify budgeting and goal-setting.

How can I get out of debt?

List debts, prioritize repayments, reduce unnecessary spending, and take small consistent steps to regain control.

What is financial freedom?

Financial freedom means your money works for you—you live without paycheck stress and make choices freely.

Should I tithe or give when I’m in debt?

Yes. Generosity opens the door for breakthrough and promotes an abundance mindset, even in tough times.

Why choose a Money Market Fund (MMF) over a bank account?

MMFs offer higher returns, daily interest, and easy access—ideal for short-term savings and emergencies.

MMF vs. Chama or table banking group?

MMFs are regulated, stable, and provide consistent returns without relying on group discipline.

How to start building extra income without quitting my job?

Manage current income, explore simple side hustles, and track investments using a financial planner.

Difference between passive and active income?

Active income comes from work (salary/business). Passive income is earned without constant effort—investments or rental returns.

Why hire a financial coach or advisor?

A coach provides guidance, avoids costly mistakes, keeps you accountable, and accelerates your financial growth.

Can I recover financially after hitting rock bottom?

Yes. Rock bottom is a starting point. Small consistent steps, guidance, and discipline lead to a financial turnaround.

Join Our Financial Literacy Membership Program

Get practical financial education, budgeting strategies, and investment guidance to help you build long-term financial freedom.

As a member, you gain access to mentorship, savings programs, debt management support, and exclusive workshops designed to grow your income and wealth.

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Join Set Free Capital financial literacy membership and investment training program

Contact

For all enquiries, please email us using the form below.

Address

Redeemed Gospel Church-DCC,
Tecla Lorupe Road, Imaara Daima
Nairobi, Kenya 00200
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