M-Ledger
Your Smart M-PESA Financial Companion
Take full control of your finances. M-Ledger reads your M-PESA SMS messages and turns them into powerful insights — all stored privately on your device.
Your Smart M-PESA Financial Companion
Take full control of your finances. M-Ledger reads your M-PESA SMS messages and turns them into powerful insights — all stored privately on your device.
A powerful, privacy-first M-PESA transaction tracker for Android
M-Ledger is a simple yet powerful SMS-based ledger app that helps you track and analyze all your M-PESA transactions. Get a clear picture of your daily money-in and money-out, view individual transactions, and adjust the date range to any period you choose.
Whether you want to track your monthly spending, review fuliza loans, monitor hustler fund activity, or just understand where your money goes — M-Ledger has you covered.
All your transaction data is stored 100% on your device. M-Ledger never uploads your financial transactions to any server, keeping your M-PESA history completely private.
of Kenyans using M-Ledger
transaction data storage
for all M-PESA transaction types
Everything you need to master your M-PESA finances
See the total money-in and money-out for any date range you choose, alongside individual transaction details. Filter by transaction type including sends, receives, withdrawals, and more.
Analyze money received from various grouped sources including M-SHWARI accounts. Money sent is grouped into personal mobile accounts, Till accounts, Paybill accounts, M-SHWARI and KCB transfers, and M-PESA withdrawals.
Create your own categories to group transactions that matter to you — such as "Rent", "Family", "Groceries", or any label you choose. Assign keywords and let M-Ledger automatically sort transactions.
Use the search feature to narrow down transactions for specific accounts within a chosen date range. Track your fuliza loans, hustler fund loans, reversals, and more with precision.
Set spending caps on your categories over a date range. Premium users get unlimited budgets with alerts at 70%, 85%, and 100% of the budget limit, plus 1-day expiry reminders.
View your transactions and spending sorted in descending order — by frequency of transactions or by amount. Identify your top recipients, senders, and spending patterns effortlessly.
Download transaction statements in PDF or CSV format, tailored to your needs. Choose from all transactions, money-in only, money-out only, or sorted analysis for any date range.
Premium users unlock AI-powered financial insights, spending projections, and personalized analysis to make smarter financial decisions based on your real M-PESA history.
Start for free. Upgrade when you're ready for more.
For everyday users
For power users
Join thousands of Kenyans who already use M-Ledger to understand and manage their M-PESA transactions. Available for free on Android.