Three Centonomy Privilege members laughing over a phone at a members' evening
A Privilege members' evening
Since 2009 · Kenya, Uganda and beyond

Where your money finally makes sense.

Money is personal. It shapes the choices you make for your family, your work and your future. Since 2009, Centonomy has helped people in Kenya, Uganda and beyond turn what they know about money into what they do with it.

Start with our story
Trusted by Harvard Business School, which selected Centonomy for its FIELD Global Capstone programme in 2025 and 2026 Safaricom, a long-term partner UNHCR, WFP, UNICEF and GIZ, with teams trained across Africa, the Middle East and Asia 300+ companies, from Google and Microsoft to KCB and Equity Bank
What Centonomy is about

Not more information. A way of doing better with what you have.

School fees paid on time. A home with your name on the title. A business that pays you. Parents looked after without losing your future. That's what we're building with you.

cen·to·no·my /sen-TON-uh-mee/ noun
From cents, meaning money, and autonomy, meaning independence: financial freedom, on your own terms.
What we believe

  1. Money is personal.

    We meet the money story you bring openly, without sugar-coating it and without shame.

  2. Knowing isn't doing.

    Information tells you what to know. A strategy tells you what to do, built on your own numbers and goals.

  3. Nobody does it alone.

    Trainers who answer your questions after class, and 30,000+ alumni who keep you going.

A Centonomy Entrepreneur graduating class gathered for their class photo
Our story

It started in 2009 with one belief: everybody can create wealth.

Waceke Nduati founded Centonomy to make money conversations practical, honest and full of possibility. One early chapter was Sensible Woman, a humble initiative helping women find their footing with finance.

Today we help people build the mindset, tools and skills to create wealth, through programmes, coaching, corporate learning, events and books. Learners describe the change in everyday terms: debt paid down, businesses that make a profit, and the money conversations they had put off for too long.

  1. 2009Centonomy is founded
  2. 2011Waceke's money column starts in the Daily Nation
  3. 2018Selected for Stanford Seed
  4. 2025Centonomy 101 launches in Uganda
Read the whole story
The change so far

Trusted in Kenya, Uganda and beyond

Since 2009, in classrooms, boardrooms, churches and SACCOs, and on Zoom. More than a quarter of the people we train join from outside Kenya.

People reached
500,000+Across more than 15 countries on six continents
Alumni
30,000+In the Centonomy alumni community, learning together
Companies
300+Trained and mentored their people with us, plus 20+ banks and SACCOs
Entrepreneurs
15,000+Trained to build businesses that pay them, and grow beyond them

Organisations we have worked withSee all 74

  • Harvard Business School
  • Google
  • Microsoft
  • KPMG
  • Deloitte
  • PwC
  • L'Oréal
  • Coca-Cola
  • Unilever
  • UNICEF
  • UNHCR
  • World Food Programme
  • USAID
  • GIZ
  • Save the Children
  • World Vision
  • Safaricom
  • KCB
  • Equity Bank
  • Co-operative Bank
  • Absa
  • Kenya Airways
  • EABL
  • KUSCCO
  • Britam
Programmes

Programmes for every stage of life

From a teenager's first money lessons to running a business, and a community of alumni after that. Compare all programmes

Teenagers, 13 to 18Teens Boot CampMake sense of money, early. Students, 19 to 25Campus EditionPrepare for life beyond the classroom.
Working professionals and individualsCentonomy 101Clarity about your finances. Order to what comes next. In Kenya and Uganda. Running or starting a businessCentonomy EntrepreneurBuild a business that can grow beyond you.
Wealth builders and retireesCentonomy GoldGrow, protect and pass on your wealth. Coming soon. For alumniCentonomy PrivilegeThe community you join after 101, Uganda or Entrepreneur.
For organisationsBring this journey to your team with Centonomy Corporate TrainingFor your people at every stage, from first payslip to retirement.
Events

Join us live

All events
Masterclass · In person

Women & Money Masterclass

· 9:00am to 2:00pm EAT Karen Country Club, Nairobi
KES 25,000two days
Boot camp · In person

Centonomy Teens Boot Camp

· 8:30am to 12:30pm EAT Apollo Centre, Westlands, Nairobi
KES 19,500per teen
Entrepreneur Chats · In person and on Zoom

Entrepreneur Chats

· 9:30am to 1:00pm EAT Apollo Centre, Westlands, and on Zoom
KES 1,000early bird
Centonomy Uganda · Open Day

Centonomy 101 Uganda Open Day

· Time to be confirmed Uganda, venue to be confirmed
Registeryour interest
Open Day · In person and on Zoom

Centonomy 101 Open Day

· 9:30am to 1:00pm EAT Nairobi venue to be confirmed, and on Zoom
Freeregistration
Trial class · Centonomy Entrepreneur

Centonomy Entrepreneur trial class

· Time to be confirmed Meet the facilitator and see how the programme is delivered
Registerlink coming soon
Beyond the classroom

Work we're proud of

Some of our most meaningful work doesn't fit neatly into a programme. Here is some of it.

  1. Now

    Training women entrepreneurs

    More than 9,000 women trained in sessions built for them, from Safaricom's Connected Women series to KCB, Citi and WFP. Right now: a group of women entrepreneurs building businesses that pay them, carrying on the work Waceke began with Sensible Woman.

  2. Research

    Two years of collaboration with Harvard Business School

    In 2025 and 2026, Harvard Business School selected Centonomy for its FIELD Global Capstone programme. Through the collaboration, we have worked with HBS MBA students to explore innovative solutions to financial literacy and entrepreneurship challenges. Read about the collaboration.

  3. Regional

    Programmes for UNHCR, WFP, UNICEF and GIZ

    Training teams across Africa, the Middle East and Asia, including UNHCR in Western Africa, delivered in French.

Inside the room

Open days, graduations and members' nights

No stock photos here: these are Centonomy classes, graduations, Privilege evenings and book signings in Nairobi.

Open Day questions
Open Day questions
Centonomy 101 graduation
Centonomy 101 graduation
Privilege members' evening
Privilege members' evening
Signing Making Cents
Signing Making Cents
Centonomy Entrepreneur chat
Centonomy Entrepreneur chat
The graduation cake
The graduation cake
Women and Money
Women and Money
Reading the 101 brochure
Reading the 101 brochure
An Entrepreneur graduate's speech
An Entrepreneur graduate's speech
Privilege lunch
Privilege lunch
Open Day, Nairobi
Open Day, Nairobi
Graduate stories

In their own words

Watch all stories

It changed my habits

Centonomy 101 is a life changing course. It really works on changing attitudes and habits surrounding money with practical examples each week.

Patricia MwangiCentonomy 101 alumna
The book

Real conversations about personal finance · Bestseller, 10,000+ copies sold

Real stories of money from people in Kenya: their struggles, mistakes, lessons and successes. At the end of each chapter, practical tools help you examine your own finances and begin taking steps towards creating wealth.

  • Real stories of money from people in Kenya
  • Waceke's own journey, and the value of lunch money
  • Money in marriage, and the conversations couples put off
  • Practical tools at the end of every chapter
PaperbackKES 1,000
Look inside
Start where you are

Your money, finally working as hard as you do.

Take the five-minute clarity check, come to an Open Day, or talk to us. We will help you find the right place to begin.

Take the clarity check Talk to us
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