The bond spreadsheet,
finally an instrument.
Fanisi turns the way you value bonds today — coupon by coupon, cell by cell — into an effective-interest engine. Value one bond or your whole book, and export straight into your core system.
The way it's done today
One workbook. One bond. Rebuilt by hand, every reporting period.
The valuation of a bond held to maturity is not its coupon. You have to find the effective interest rate that amortises the purchase price to face value at maturity, then unwind it period by period.
In a spreadsheet that means an IRR formula, a cashflow ladder, and an amortisation table — copied and re-checked for every bond on the books, every month. It's slow, and one dragged formula breaks the schedule.
Fanisi does the same mathematics, verified to zero, for your entire portfolio at once.
What Fanisi does
Everything the spreadsheet did — and the parts it couldn't.
Effective interest, solved
Fanisi computes the internal rate of return that amortises each bond to par at maturity — the effective interest rate IFRS 9 asks for, not the coupon rate.
Full amortisation schedule
Every period: opening carrying amount, effective interest, coupon, closing carrying amount, and discount or premium amortised — the same layout as your spreadsheet.
One bond or the whole book
Value a single bond, or every held-to-maturity bond at once. Cumulative totals and a combined amortisation timeline across the portfolio.
Exports that drop into your system
Download formatted Excel and CSV built to paste straight into a SACCO or bank core system and general ledger. No re-keying.
IFRS 9 by design
Classify each bond as amortised cost, FVOCI, or fair value through P&L. Report at any period end — monthly, quarterly, or annually.
Built for teams
Each institution gets its own secure workspace. Admins add analysts and finance staff, who value bonds and pull reports.
How it works
Enter your bonds
Type one bond, or paste a whole list. Face value, cost, coupon, purchase and maturity dates — that's it.
See the valuation
Effective interest rate, amortisation schedule and plain-language statements appear instantly, verified to the cent.
Report and file
Export a single bond or the entire portfolio to Excel or CSV, formatted for your accounting system.
Who it's for
Made for the finance desk at Kenyan SACCOs, banks and funds.
CFOs and finance managers hold treasury bonds to maturity, for liquidity, or for trading. Fanisi handles the accounting for the ones held at amortised cost, and keeps the numbers audit-ready for your financial-instruments disclosures.
- Amortised-cost accounting under IFRS 9
- Monthly, quarterly or annual reporting
- Exports formatted for your GL and core system
- A separate, secure workspace per institution
Put your bond book on Fanisi.
Create your institution's workspace, add a few bonds, and see the effective interest and amortisation schedule in under a minute.