READS M-PESA & AIRTEL MONEY, ON-DEVICE

Your M-Pesa, finally understood.

No manual entry, no linking your bank. Moneypod reads the same M-Pesa and Airtel Money SMS you already get and turns it into real numbers — tracked, tagged, and budgeted, right there on your phone. Core tracking is free for life. Premium is optional if you want more budgets and deeper spending insights.

Get it on Google Play

Your SMS messages are parsed locally and never uploaded, never read by us.

M-PESA NOW
Ksh2,500 paid to Safaricom Home. Balance Ksh4,120.00
17:41
+ ADD TRANSACTION
🌇 GOOD EVENING
SUNDAY, 5 JULY
17:41
JUNE JULY 2026 AUG
SET UP BUDGETS

to unlock your financial health score

Total Outflow This Month
KES 23,366
CREATE BUDGET →
Linked Ledgers
LIVE
M-PESA
KES 25.63
VIEW →
LIVE
AIRTEL
KES 0
VIEW →
Today's Insight
⚠️ Spending Leak Warning
Fuliza triggers big spending patterns in your early weekend pipelines...
Recent Transactions
📄
Till Payment
TAP TO TAGFRANCIS MUSYOKI
−20
13:02
📤
Send Money
ELVIN ABUYA
−15
10:31
💵
Money Received
MAX MWAURA
+15
08:37
Home
Insights
Budgets
Account
WORKS SEAMLESSLY WITH KENYA'S LEADING NETWORKS
HOW IT WORKS

From a text message to a full picture.

No manual entry, no linking bank accounts. Moneypod reads what's already on your phone.

01

A message arrives

M-Pesa or Airtel Money sends its usual confirmation SMS — the same one you already get today.

→
02

Moneypod reads it, on-device

The app parses the amount, merchant, balance, and transaction type right on your phone. Nothing is sent anywhere.

→
03

You get clarity

It's tagged, added to your budget, and reflected in your spending insights — automatically.

Debt History

Payments & Fuliza Usage

ALL JUN 26 MAY 26 APR 26
Total Fees
KES
157.63
Monthly Breakdown
June 2026 1,990.86
May 2026 889.64
April 2026 1,272.35

Fuliza, finally tracked.

Fuliza doesn't come with a statement that makes sense — it's a running overdraft, repaid piece by piece, often without you noticing. Moneypod reconciles it properly.

Tracks every borrow and repayment automatically as statements arrive
Matches repayments in order (FIFO), exactly how Safaricom settles them
Isolates interest and facility fees safely away from your principal ledger
EVERYTHING ELSE, HANDLED

Beyond parsing your messages.

The parts of managing money that no SMS can tell you.

Every transaction, tagged automatically

Recognizes patterns automatically across thousands of merchants and paybills, so your spending is organized the moment it happens — no manual sorting.

MPESA: Ksh450 paid to KPLC PREPAID via Paybill 888880. Balance Ksh3,120.00
KPLC · Utilities− KES 450
COMING TO THE WEB
COMING SOON

Moneypod, everywhere.

A web version is in development, with Google Drive sync planned. The goal: check your budgets on your phone in the morning and explore your spending on your laptop at night. We'll share availability and plan details when it's ready.

One clearer view of your money, wherever you are.

FAQ

Common questions

Does Moneypod read my other text messages?
No. Moneypod only scans messages recognized as M-Pesa or Airtel Money transaction alerts. Everything else on your phone is untouched, and no message content is ever uploaded to a server.
Does it work with Airtel Money and M-Pesa at the same time?
Yes. Moneypod parses both, along with M-Pesa-linked products like Fuliza and M-Shwari, and gives you one combined view of your spending.
How does Fuliza tracking actually work?
Moneypod matches each Fuliza repayment against your earliest outstanding borrow first, the same order Safaricom settles it in, so your outstanding balance is always accurate.
Is there a web app I can use right now?
Not yet. The web workspace is in development, with Google Drive sync planned. We'll announce access and plan details when it launches. The Android app is available now, with core tracking free for life.
Is Moneypod free to use?
Yes. Moneypod's core expense tracking is free for life — not a time-limited trial. Track your M-Pesa and Airtel Money transactions, with basic budgets and spending insights, for free. Premium is entirely optional and adds more budgets and deeper insights when you need them.