PesaTrack

JMumo

About this app

PesaTrack automatically tracks your M-PESA and bank expenses by reading transaction SMS messages. No manual entry needed — just spend, and PesaTrack logs it.

🔒 100% PRIVATE — ALL DATA STAYS ON YOUR DEVICE
PesaTrack has no internet permission. Your financial data never leaves your phone. No servers, no cloud, no analytics, no ads. Just you and your data.

📱 HOW IT WORKS
When you send money via M-PESA, buy goods, pay a bill, or withdraw from an agent, PesaTrack reads the confirmation SMS and automatically extracts the transaction details — amount, recipient, date, and transaction code.

💰 KEY FEATURES

• Automatic SMS Tracking — Detects M-PESA and NCBA bank transactions in real time
• Historical Import — Import past M-PESA SMS to backfill your expense history
• Smart Categorization — 18 category groups with 90+ sub-categories; auto-categorizes common merchants using built-in rules or your own custom rules
• Batch Categorize — Group uncategorized expenses by recipient and categorize them all at once
• Budget Tracking — Set monthly, weekly, or yearly budgets per category with alerts at 80% and 100%
• Analytics & Charts — Monthly trends, category breakdowns, top spenders, payment type analysis, and year-over-year comparisons
• Excel Import — Import M-PESA statements from Excel spreadsheets
• Manual Entry — Add cash and other expenses manually
• Custom Categories — Create your own category groups and sub-categories
• Auto-Rules — Define custom rules to automatically categorize future transactions
• PIN Lock — Secure your financial data with a 4-digit PIN and optional fingerprint/face unlock

📊 ANALYTICS
See where your money goes with visual charts:
• Monthly spending trends
• Category breakdown with color-coded bars
• Daily spending patterns
• Top recipients by amount
• Payment type distribution
• Month-over-month and year-over-year comparisons
• Variable-spend category detection

🏦 SUPPORTED SMS SOURCES
• M-PESA (Safaricom)
• NCBA Bank
• More banks coming soon

🇰🇪 BUILT FOR KENYA
PesaTrack understands Kenyan financial services — M-PESA transaction formats, Kenyan bank SMS patterns, and local merchant names. Categories include Kenya-specific items like Chama contributions, SACCO savings, NHIF/NSSF, and M-PESA transaction costs.

⚡ GETTING STARTED
1. Install PesaTrack
2. Grant SMS permission (we only read M-PESA and bank messages)
3. Import your existing M-PESA SMS history
4. Start tracking automatically!