PayNest: Loan & Budget SMS

Ultra Apps World

Contains adsIn-app purchases

About this app

📩 PayNest – Automatic SMS Expense Tracker

PayNest automatically tracks your income, expenses, loans, transfers, and payments using bank and mobile money SMS alerts — no manual entry required.

No spreadsheets.
No account login.
No cloud sync.

Just install and PayNest quietly turns your SMS alerts into a clear financial overview.

🔍 How PayNest Works

Whenever your bank or wallet sends a transaction SMS, PayNest:

Reads the message securely on your device

Identifies debits, credits, refunds, and transfers

Groups transactions by sender into account histories

Builds automatic summaries for income and expenses

Everything happens offline and privately.

💡 Why PayNest Stands Out

Automatic SMS Transaction Tracking Track bank and mobile money payments without typing a single amount.

Multiple Account Statements View clean histories for banks, wallets, and payment platforms — all in one place.

Income & Expense Reports Instant summaries for spending, income, refunds, transfers, and unknown charges.

Daily, Weekly & Monthly Insights Understand where your money goes and when it comes in.

Works Offline & Fully Private Your SMS messages never leave your phone. No registration required.

Export to Excel or CSV Perfect for budgeting, accounting, or business reporting.

Fast & Lightweight Optimized for low battery use and smooth performance on all devices.

🌍 Built for Global Payments

PayNest supports multiple currencies and SMS formats, including:

USD, CAD, EUR, INR, PHP, GHS, NGN and more

Works seamlessly with banks, mobile money services, and digital wallets across multiple countries.

🚀 Ideal For

Freelancers tracking income automatically

Business owners monitoring daily payments

Individuals budgeting monthly expenses

Anyone who receives bank or wallet SMS alerts

✅ Simple & Secure

No registration required

No internet needed

No cloud storage

Minimal setup — just open and sync

Install PayNest today and turn your SMS alerts into a powerful financial dashboard.

Track smarter.
Spend wiser.
Stay in control.

Ratings and reviews

This is the best app. automatic tracking of my income and expenses

I really like how it saves time from reading payment related SMS. All my momo and other transactions are easily captured

I recommend this app. Easily my get my payment updates without having to switch between apps