Loans & Expenses: PayNest

Contains adsIn-app purchases
121 reviews
Content rating
Everyone
10K+
Downloads
Content rating
Everyone
In-App Purchases
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About this app

Take control of your finances with MoneyNest, a smart **money tracker, SMS tracker, and personal finance app that helps you organize your financial activity automatically.

MoneyNest turns supported financial SMS notifications into an organized view of your money, helping you keep track of **income, expenses, transactions, spending and account activity** without manually recording every transaction.

📱 SMS MONEY TRACKER

Your bank, mobile money service or financial provider may send SMS notifications when transactions happen.

MoneyNest can analyze supported transaction SMS messages and organize the financial information they contain.

Instead of searching through your SMS inbox to remember when money was received or spent, use MoneyNest as an **SMS tracker and SMS money tracker** to keep your financial transactions organized.

💳 EXPENSE TRACKER

Keep an eye on your spending.

MoneyNest helps organize supported transaction messages into an expense tracker, making it easier to review purchases, payments, and other outgoing transactions.

Understand your spending history without having to manually enter every transaction.

💵 INCOME TRACKER

Keep track of money coming in.

Use MoneyNest as an income tracker to organize supported deposits, transfers, payments received, and other incoming transactions.

Get a clearer view of your cash flow and financial activity.

📊 PERSONAL FINANCE TRACKER

Use it as your everyday:

• Money tracker
• Personal finance tracker
• Expense tracker
• Income tracker
• Spending tracker
• Transaction tracker
• Money manager

🏦 SMS TRANSACTION TRACKER

MoneyNest is designed around the information contained in supported financial SMS notifications.

Depending on your bank or financial provider, messages may contain information about deposits, withdrawals, transfers, payments and other transactions.

MoneyNest helps organize this information so you can review your financial activity more easily.

Support depends on the SMS format used by your bank or financial provider.

💸 LOAN STATUS

MoneyNest can also help you understand the status of supported collector loans from participating providers.

Instead of presenting this as a traditional loan repayment tracker, MoneyNest uses supported financial messages to help you see relevant loan information and loan status.

Availability and information depend on the provider and the messages received on your device.

📈 UNDERSTAND YOUR SPENDING

Tracking transactions is only the beginning.

MoneyNest helps you review your financial activity so you can better understand your spending habits.

See your income, expenses and transactions in one place and make more informed decisions about your money.

🔒 PRIVACY FOCUSED

Your financial information is personal.

MoneyNest is designed with privacy in mind, helping you organize your financial activity without turning your finances into a public profile.

Your financial information should remain yours.

🌍 BUILT FOR EVERYDAY MONEY MANAGEMENT

MoneyNest is designed for people who want a simpler way to organize their financial activity.

Whether you use a bank account, mobile money service or supported financial provider, MoneyNest can help you make sense of the transaction notifications you receive.

MoneyNest can be useful if you are searching for:

• Money tracker
• SMS money tracker
• SMS tracker
• SMS transaction tracker
• Expense tracker
• Income tracker
• Spending tracker
• Money manager
• Personal finance app
• Personal finance tracker
• Financial tracker
• Transaction tracker
• Bank transaction tracker
• Money management app
• Loan status checker
• Loan status tracker
• Loan information

Track your money. Understand your spending. Stay informed about your financial activity.
Track income, expenses and loans automatically from SMS transactions.
Updated on
Aug 29, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • This app may share these data types with third parties
    Device or other IDs
  • No data collected
    Learn more about how developers declare collection
  • Data is encrypted in transit

Ratings and reviews

121 reviews
Johnson Adjei
April 4, 2026
This is the best app. automatic tracking of my income and expenses
1 person found this review helpful
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Ultra Apps World
May 11, 2026
Hi, thank you very much for your feedback.
DONALD GODOGA
August 31, 2025
I really like how it saves time from reading payment related SMS. All my momo and other transactions are easily captured
3 people found this review helpful
Did you find this helpful?
Ultra Apps World
August 31, 2025
Hi, thank you very much for your feedback.
Benjamin Blay
June 18, 2026
it's amazing how it just builds statements out of my sms. Give me insight of very thing expenditure and income
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What’s new

Introducing Groups — see who you send and receive money from, automatically organized. Also includes bug fixes and performance improvements