Shmoney is the smart MPESA expense tracker that works entirely on your phone. Track transactions, analyze spending patterns, monitor transaction costs, and budget better—without your messages ever leaving your device.
Your MPESA transaction data never leaves your phone. No cloud uploads, no servers, no data collection. Complete privacy guaranteed.
Automatically categorize expenses, track transaction costs, and get real-time insights into your MPESA spending patterns and habits.
Set spending limits, get alerts when you're over budget, and make informed financial decisions based on your actual MPESA usage.
Shmoney actively listens to your MPESA SMS messages and automatically organizes every transaction. No manual entry, no hassle. Just install the app and let it work its magic while keeping your financial data completely private on your device.
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Never manually log an expense again. Shmoney captures every MPESA transaction automatically.
From the moment you install Shmoney, it begins monitoring your MPESA SMS messages and logging every send money, pay bill, buy goods, withdraw, and deposit transaction. Your complete MPESA transaction history is organized chronologically and categorized automatically, giving you a clear picture of your mobile money activity.
Unlike web-based MPESA trackers, Shmoney processes everything locally on your device. Your sensitive financial information stays private, secure, and under your control. No internet connection required for tracking—just install and go.
Understand where your money goes with powerful MPESA financial insights.
Shmoney's intelligent categorization system automatically sorts your MPESA transactions into categories like groceries, transport, airtime, bills, and more. See spending trends over time, identify your biggest expense categories, and discover patterns in your mobile money usage.
Visual charts and graphs make it easy to understand your MPESA spending at a glance. Track daily, weekly, and monthly expenditure patterns. Compare current spending to previous periods and see exactly how your mobile money habits are evolving.
Set budgets, track progress, and stay on top of your finances effortlessly.
Create custom budgets for different spending categories and let Shmoney alert you when you're approaching your limits. Whether you want to control transport costs, limit entertainment spending, or manage your monthly bills, Shmoney keeps you accountable.
Get real-time notifications when you exceed budget thresholds. Review budget performance weekly or monthly to understand if you're meeting your financial goals. Shmoney makes MPESA budgeting simple and effective for every Kenyan.
See exactly how much you're paying in MPESA fees and charges.
Every MPESA transaction comes with a fee, and these costs add up quickly. Shmoney automatically extracts and tracks all transaction charges from your SMS messages, giving you complete visibility into how much you're spending on MPESA fees.
View your total transaction costs over time and identify opportunities to reduce fees. Learn which types of transactions cost you the most and make smarter decisions about how you use mobile money. Knowledge is power when it comes to managing your finances.
Get Shmoney from the Google Play Store or App Store. Installation takes less than a minute and the app is lightweight.
Allow Shmoney to read your MPESA messages. This enables automatic transaction tracking. Remember: all data stays on your phone.
Shmoney automatically tracks every MPESA transaction going forward. View spending analytics, set budgets, and take control of your mobile money.
Unlike other mobile money analytics apps, Shmoney never uploads your transaction data to the cloud. Everything happens on your device. Your MPESA messages, spending patterns, and financial information remain completely private and secure.
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Absolutely not. Shmoney processes all MPESA transaction data locally on your device. No internet connection is required for tracking, and your financial information never gets uploaded to any server or cloud service.
Shmoney reads your MPESA SMS messages to extract transaction information. It automatically identifies sends, receives, withdrawals, deposits, and bill payments, then organizes them for easy analysis.
Shmoney offers a free version with core tracking features. Premium features like advanced analytics and unlimited budget categories are available with a subscription.
Shmoney works on all Android phones running version 6.0 and above. We're working on an iOS version for iPhone users.
Shmoney can analyze MPESA messages already in your phone's inbox, so you'll see historical transactions from existing SMS. However, if you've deleted old messages, Shmoney can only track new transactions going forward.
Unlike web-based trackers, Shmoney works entirely on your phone with no cloud uploads. Your data stays private, no internet is required, and you get automatic tracking without manual CSV uploads or statement analysis.
Start tracking your MPESA expenses automatically. Take control of your mobile money with the best MPESA tracker app for Kenya.
*Available on Android 6.0 and above. iOS version coming soon.
Kenya
Google Play
Coming to iOS