We read your messages and make sense of the noise.

From M-Pesa to Airtel Money, cash to bank, we turn the messy bits into a ledger you can actually trust.

9:41
Moneypod ● ONLINE
Total Ledger Balance
KES 24,850.20
💸
M-Pesa Received Income
+4,500
💡
KPLC Paybill Utilities
-1,200

Your SMS, sorted

We pick up the M-Pesa and Airtel messages you already get, then turn them into clean transactions without the usual faff.

Where your money actually went

See what changed this month, last month, and the one before that without digging through twelve screenshots.

Debt & Receivables

Keep a sharp eye on what you owe and what others owe you. Automatically tracks ledgers and allows you to easily add manual debts and receivables.

Custom Budgets

Set up budgets and track your spending habits. Monitor your overall spending or drill down to track targets for specific categories.

Recurring Payments

Never miss a scheduled payment. Set up recurring transactions and receive instant alerts via email or app push notifications.

Manual Transactions

Get the full picture by manually logging cash or bank transactions, or any movement that happens outside your M-Pesa and Airtel ledgers.

Rules Engine

Define custom filters and matching conditions to process your transactions. Create tailored keywords, sender rules, or amount triggers to automatically tag payments instantly.

Categories & Tags

Structure your money with deep, custom multi-level nesting and custom colored tag hierarchies. Apply customized labels to group your spending habits precisely.

Secure Local Storage

Your financial records are isolated locally. Built on an offline-first storage model that utilizes fully encrypted local SQLite databases combined with hardware Keystore protection.

Exportable Reports

Need your data to go? Generate and download comprehensive reports across any channel (M-Pesa, Airtel Money) and easily export them as a PDF.

Free to use, built for the long haul.

The core stuff stays free — no fake 14-day trial, no hidden trap. Just a tool that keeps working as your money life gets more complicated.

Deeper reports and more power come later, on your terms. For now, the basics stay simple and useful.