Shmoney | M-PESA Expense Tracker for Kenya

HIGHLIGHTS

Why Kenyans Love Shmoney

100% Private

Core M-PESA tracking stays on your phone. Transaction messages are not uploaded to Shmoney servers. Optional AI, analytics and backup only run if you enable them.

Smart Analytics

Automatically categorize expenses, track transaction costs, and get real-time insights into your MPESA spending patterns and habits.

Budget Smarter

Set spending limits, get alerts when you're over budget, and make informed financial decisions based on your actual MPESA usage.

Shmoney MPESA tracker interface showing expense categorization

MADE FOR M-PESA

The Best MPESA Spend Tracker for Kenya

See your mobile money clearly, without logging every expense by hand.

Shmoney reads your M-PESA transaction messages and sorts payments, transfers, deposits, and withdrawals into an organized history. Spot where your money goes, follow your spending over time, and make more confident budget decisions.

Your transaction data is processed on your phone and stays there. No account linking, manual entry, or cloud upload is needed to keep your spending record up to date.

Automatic transaction tracking
Clear spending categories and trends
Private, on-device data

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FEATURES

Everything You Need for MPESA Financial Management

Shmoney M-PESA transaction list on Android

Automatic MPESA Transaction History Tracking

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.

Deep MPESA Spending Analysis

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.

Budget Planner for MPESA Users

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.

Track Your MPESA Transaction Costs

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.

Shmoney M-PESA transaction cost analysis

HOW IT WORKS

Get Started in 3 Simple Steps

Download & Install Shmoney

Get Shmoney from Google Play on Android 6.0 and above. An iOS version is not available yet. Installation takes less than a minute.
Grant SMS Permissions

Allow Shmoney to read your MPESA messages. This enables automatic transaction tracking. Remember: all data stays on your phone.
Watch Your Financial Insights Grow

Shmoney automatically tracks every MPESA transaction going forward. View spending analytics, set budgets, and take control of your mobile money.

Shmoney app interface showing transaction dashboard

Shmoney privacy screen showing local processing and secure M-PESA message access

Your Privacy is Our Priority

Your financial history belongs to you. Shmoney processes M-PESA messages on your phone, not on a remote server.

SMS access lets the app find transaction messages and turn them into an organized spending history. It focuses on M-PESA messages, so you can see payments and transfers without sending your inbox or financial activity to the cloud.

Transaction processing stays on your device
No cloud upload or account linking required
Your financial activity is not shared with advertisers

Learn More About Privacy

GALLERY

App Screenshots

FAQ

Frequently Asked Questions

Does my data leave my phone?

Core M-PESA tracking runs on your phone. Transaction messages are not uploaded to Shmoney servers. Optional features such as Ask Shmoney AI and anonymised analytics only send limited data if you turn them on. Read the Privacy Policy for the full picture.

How does Shmoney track MPESA transactions?

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.

Does Shmoney require a subscription?

Shmoney is a paid app available on Android (version 6.0 and above). Download it on Google Play to see current pricing and what's included.

Which phones does Shmoney work on?

Shmoney works on all Android phones running version 6.0 and above. We're working on an iOS version for iPhone users.

Can Shmoney track old MPESA transactions?

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.

How is Shmoney different from other MPESA trackers?

Shmoney is built for Kenyan M-PESA users. Core tracking reads confirmation SMS on your phone, so you do not upload statements. Optional cloud features stay off unless you enable them in settings.

Start in 60 seconds

Install, grant SMS permission, and Shmoney immediately starts organizing every M-PESA transaction. No manual entry. No account setup. No cloud upload.

Download on Android

*Requires Android 6.0 and above.

SHMONEY BLOG

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