Meet MPecunia; Kenya's Smartest Financial Tracking App

We Built This for You

Let's be honest, managing money in Kenya can feel like an uphill battle. Every day, thousands of M-Pesa transactions fly through our phones: airtime top-ups, rent payments, groceries at the local kiosk, that spontaneous lunch with friends... but at the end of the month, most of us are left wondering, "Where did all my money go?"

That question is exactly why we built MPecunia.

MPecunia (from the Latin word for "money" or “wealth”) is Kenya's most comprehensive personal finance tracking app. It was born out of a simple frustration: there was no single tool that could automatically capture M-Pesa transactions, make sense of the data, and give you genuinely useful financial insights; all without requiring a finance degree to understand.

Whether you're a campus student trying to stretch your pocket money, a young professional building your first savings plan, a small-business owner reconciling Paybill collections, or a parent tracking household expenses; MPecunia was designed with you in mind.

And the best part? We are just getting started.

The MPecunia Web App - Your Financial Command Centre

Head over to mpecunia.com and you'll find a beautifully designed, feature-packed web application that puts your entire financial picture at your fingertips. Here is what you get:

1. A Dashboard That Actually Tells You Something

Most apps show you a balance and call it a day. MPecunia's dashboard is different. The moment you log in, you're greeted by your Financial Health Score — a single number from 0 to 100 that tells you exactly where you stand financially.

• How It Works: Your score is calculated from three critical pillars: your Net Worth (assets minus liabilities), your Savings Rate (how much of your income you're actually saving), and your Debt Ratio (how much of your income goes toward debt). The algorithm adapts based on which data you've provided, so it's always fair and personalised.

• Colour-Coded Guidance: Score 0–40 (Vulnerable): You'll see urgent, actionable advice — build an emergency fund, cut non-essential spending, tackle high-interest debt first.

• Score 41–70 (Stable): You're on the right track; tips focus on optimising savings and reducing remaining debt.

• Score 71–100 (Healthy): Time to think about investing, diversification, and long-term wealth building.

Below the score, you'll find key metrics: your liquid Net Worth, M-Pesa Balance (updated in real time), Savings Rate, Debt Ratio, monthly savings progress with a visual progress bar, and total M-Pesa transaction costs — because yes, those Ksh 33 charges add up. (NB: Transaction costs are either obtained from MPesa SMS if you enabled SMS import on your phone, or from the MPesa tarrifs table provided by Safaricom)

The dashboard also features interactive charts; a Net Worth Distribution pie chart, Spending by Category breakdown, Income vs. Expenses trend lines over months, and Spending Limit radial charts that show exactly how close you are to your budget. A date-range picker with quick presets (Last 7 Days, This Month, Last 6 Months, etc.) lets you zoom in on any period.

And for those moments when someone is peeking over your shoulder? Hit the Privacy Mode toggle (the eye icon) and every financial figure on screen turns into "---". Your business stays your business.

2. AI That Works for You — Not the Other Way Around

This is where MPecunia truly stands apart. We've integrated advanced AI (powered by state-of-the-art language models) directly into the app, and it's not just a gimmick; it's genuinely transformative.

AI Financial Coach

Think of it as having a personal financial advisor in your pocket; one who knows your actual numbers. The AI Coach lives right on your dashboard. Open the chat, and ask it anything:

• "How much money did I send to John Kamau last month?"

• "What's my biggest spending category this quarter?"

• "Am I on track to meet my savings goal?"

• "Give me a budget plan for next month based on my spending patterns."

It's like having a Business Intelligence (BI) tool that speaks plain language. The AI has context about your transactions, savings, debts, and spending patterns, so its answers are specific to you; not generic internet advice.

AI-Generated Financial Reports

Under the Transactions page, you can generate detailed financial reports at the click of a button. Choose between a Standard Report (quick summary) or an AI-Powered Report that delivers deeper insights, trend analysis, and personalised recommendations. Select your period; this month, last 3 months, this year, or a custom range, and the report generates in the background. You get a beautifully formatted PDF that you can download, save, or share.

AI reports are limited to one per day to keep things sustainable, but honestly, one AI report a day is worth more than a dozen static spreadsheets. On the other end, you get up to 5 standard reports a day.

AI Merchant Auto-Classification

Tired of seeing "Unclassified" next to your recurring transactions? MPecunia's AI automatically identifies merchants you transact with repeatedly (5 or more times) and classifies them into categories like Food & Drink, Transport, Utilities, Rent, and more. This runs daily in the background; no action needed from you. You'll get a notification when new merchants are classified, and you can always approve or reject the AI's suggestion.

3. Transaction Tracking That's Actually Effortless

MPecunia gives you multiple ways to get your financial data into the app — and we've made every single one as painless as possible.

Import Your M-Pesa Statement

Download your M-Pesa statement from Safaricom (we even provide the USSD code) and upload the PDF directly into MPecunia. The statement is parsed right in your browser; your data never leaves your device until it's ready to be securely stored. We support both Personal and Business M-Pesa statements, and password-protected PDFs work seamlessly.

After import, you'll see a summary: how many transactions were imported, updated, or skipped; plus your updated M-Pesa balance.

Automatic SMS Parsing (Android)

If you're on Android, MPecunia's mobile app can automatically read and parse your M-Pesa confirmation SMS messages in real time. Every send, receive, paybill payment, buy goods, and withdrawal is captured instantly; without you lifting a finger. It's the closest thing to having your finances update themselves.

Manual Entry & SMS Paste

Prefer to do things by hand? You can manually add transactions with full details (type, category, amount, merchant, date) or paste an M-Pesa SMS into the built-in parser and let it do the heavy lifting.

CSV Export

Need your data in a spreadsheet? Export your entire transaction history (or any filtered date range) as a CSV file with one click.

4. M-Pesa Statement Summariser; Free for Everyone

Here's something special: you don't even need an account to use our M-Pesa Statement Summariser. Visit mpecunia.com/mpesa-summary, upload your M-Pesa PDF statement (Personal or Business), and get a comprehensive summary report; completely free (for now). The PDF is parsed entirely in your browser for maximum privacy, and you get a downloadable summary you can keep.

It's our way of giving back to the community. If you love the summary, creating a free account unlocks the full power of MPecunia.

5. Analytics That Turn Data Into Understanding

The Analytics page breaks down your financial health into crystal-clear components:

• Score Breakdowns: See the exact formula and inputs behind your Health Score, Net Worth, Savings Rate, and Debt Ratio - complete transparency, no black boxes.

• Monthly Trends: An interactive table where you can click any month's income or expenses to see every individual transaction that contributed to it.

• Spending by Category: Understand where your money goes, broken down by class (Food, Transport, Rent, Utilities, etc.).

6. Savings Tracking - Watch Your Money Grow

MPecunia doesn't just track your spending; it helps you build wealth. Add your savings accounts (bank accounts, SACCOs, Money Market Funds, M-Shwari, fixed deposits) and track them in one place.

• Long-Term Savings: Track balances, interest rates, compounding frequency, maturity dates, and projected future values.

• Current Savings: Monitor your everyday liquid savings across multiple accounts.

• Savings Goals: Set a monthly savings target and watch a visual progress bar fill up as you save. Your dashboard celebrates your achievements as you hit milestones.

7. Debt & Loan Management - Take Control

Debt is stressful. MPecunia makes it manageable. Under the Loans section, you can:

• Track all your loan accounts — amount borrowed, outstanding balance, interest rate, repayment amount, and due date.

• See a visual progress bar for each loan showing how much you've paid off.

• Track money you've lent out, with borrower details, expected repayment dates, and optional reminders.

• View monthly payment history grouped by month, with auto-detected and manual payments.

8. Spending Limits & Notifications — Stay Within Budget

Set spending limits for any period; Daily, Weekly, Monthly, Yearly (under settings, scroll down to Spending Limits). MPecunia tracks your spending against those limits in real time, and when you're approaching your cap, you get a notification.

9. Recurring Transactions — Never Miss a Pattern

Set up recurring transactions (rent, subscriptions, loan repayments) with expected amounts, tolerance ranges, and frequencies. MPecunia auto-detects when those transactions actually happen and tracks occurrence status — auto-detected, manually confirmed, or pending. It's perfect for staying on top of bills and subscriptions.

10. Money Blogs- Learn, Share, and Grow Together

MPecunia isn't just a tool — it's a community. Our Money Blogs section is a space where anyone can write about personal finance, share budgeting tips, tell their debt-free journey story, advertise their business, or teach others about saving and investing.

• Write blog posts with a rich markdown editor, add cover images, and submit for review.

• Browse and search published blogs from the community.

• Bookmark your favourite posts for later.

• Rate blogs (1–5 stars) and leave comments — including threaded replies.

• Authors get a portfolio dashboard showing ratings, views, and bookmarks.

We believe financial literacy is best shared. Whether you're a seasoned investor or just learned what a SACCO is last week, your story matters. Start writing — your first blog post could change someone's financial life.

11. Monthly Reports — Your Financial Story, Every Month

Every month, MPecunia generates a financial report you can download as a PDF. These reports summarise your income, expenses, savings progress, and key trends. Both AI-generated and standard reports are available in your report archive — perfect for personal records, loan applications, or simply understanding your financial journey over time.

12. Help & Support — We're Here for You

Under the Help section, you'll find:

• A comprehensive FAQ covering everything from M-Pesa tracking to data security.

• An interactive App Setup Guide that walks new users through every feature, step by step, in plain, non-technical language.

• A Contact Us form where you can send questions directly to our team. Choose a category (Bug Report, Feature Request, Account & Billing, etc.), type your message, and we'll respond to your email within 24 hours.

• Social media links to follow us on Instagram and TikTok.

We genuinely care about every single user. If something isn't working or you have an idea for a feature, talk to us. We're listening.

13. Smart Notifications — The Right Nudge at the Right Time

MPecunia's notification system is designed to be helpful, not annoying. You'll receive notifications for:

• Weekly or monthly financial analysis summaries — income, expenses, and net change for the period.

• Spending limit alerts when you're approaching or have exceeded a budget.

• AI merchant classification updates when new merchants are automatically categorised.

• Recurring transaction reminders.

• Admin broadcast announcements for new features and updates.

Choose your preferred channels: in-app notifications, email, or WhatsApp (tbd). You're in control.

14. Security & Privacy — Your Data Is Sacred

We take your financial data extremely seriously:

• Your transaction data is encrypted at rest. We never share your information with third parties.

• M-Pesa statement parsing happens in your browser — the raw PDF data is temporarily stored in our database and deleted after 24 hours.

• Auto-logout after inactivity keeps your account safe on shared devices.

• Full account deletion is available any time from Settings — your data, your choice.

• Privacy Mode instantly masks all financial figures on your dashboard.

The MPecunia Mobile App — Your Finances in Your Pocket

Everything we've talked about is available on the web, but the MPecunia Android app takes things to a whole new level.

📲 Download it now on the Google Play Store: https://play.google.com/store/apps/details?id=com.mpecunia.app

Automatic M-Pesa SMS Tracking

This is the killer feature. Once you grant SMS permissions, MPecunia's Android app reads every M-Pesa confirmation message as it arrives and automatically logs the transaction — amount, merchant, type, date, time, receipt number, and transaction cost. You don't have to open the app. You don't have to do anything. Your financial life is tracked in real time, passively, in the background.

Imagine checking your app at the end of the week and seeing every single M-Pesa transaction perfectly organised, categorised, and totalled. That's what MPecunia does.

Beautiful, Intuitive Mobile Dashboard

The mobile dashboard mirrors the web experience — Financial Health Score front and centre, key metrics (Net Worth, Savings Rate, Debt Ratio, M-Pesa Balance), and interactive charts. The score breakdown is right there, telling you exactly what contributes to your number.

Full Feature Set in Your Pocket

The mobile app includes:

• Complete transaction history with filtering and search.

• Savings accounts management with progress tracking.

• Loan tracking with progress bars.

• Assets and liabilities tracking (cars, houses, other assets).

• Spending limits setup and monitoring.

• Recurring transaction management.

• Transaction class and merchant management.

• Notification centre with in-app and push notifications.

• Profile and settings management.

• M-Pesa statement import (PDF upload).

• SMS parser for manual M-Pesa message input.

Money Blogs on Mobile

The mobile app has a dedicated Blogs tab where you can explore community blogs, view your bookmarked posts, and manage your own blog submissions — all with a beautiful, native mobile experience. Tapping on a blog opens the full article in the web app for the best reading experience.

Guided Onboarding for New Users

New to MPecunia? The mobile app greets you with an interactive Getting Started guide that walks you through each step: uploading your first M-Pesa statement, setting your income and savings goals, adding savings accounts, tracking loans, recording assets, and finally — checking your Financial Health Score. Each step links directly to the right screen in the app. And you can access this guide anytime from the compass icon on the top-right corner of the Home screen.

Why MPecunia? Because You Deserve Better.

We didn't build MPecunia to compete with spreadsheets or generic budgeting apps that don't understand the Kenyan financial landscape. We built it because:

• M-Pesa is king. M-Pesa is the backbone of Kenyan commerce, and no other app tracks it this comprehensively — automatically, accurately, and privately.

• AI should actually help. From statement summarisation to AI reports, from health scoring to the financial coach — real AI works on your real data to give you real insights.

• Every shilling matters. Whether you're tracking a Ksh 50 airtime purchase or a Ksh 500,000 property payment, MPecunia handles it all with the same level of detail.

• Community-driven. Through Money Blogs, community stats, and a growing knowledge base, MPecunia is as much about learning together as it is about tracking numbers.

• Privacy-first. MPecunia will never sell your data. Your statement is parsed in your browser. Your data is encrypted. And you can delete everything at any time.

This Is Only the Beginning

MPecunia is growing — and fast. Our vision is to become the definitive financial platform for Kenyans and, eventually, for all of East Africa.

We're building MPecunia to cover all matters finance — personal, business, and everything in between. And every feature we add is guided by one principle: it has to make your financial life genuinely easier.

Get Started Today - It's Free

Creating an MPecunia account takes less than two minutes. Here's how:

1. Visit mpecunia.com and click "Get Started".

2. Fill in your details and set up your financial profile.

3. Upload an M-Pesa statement or download our Android app to start automatic tracking.

4. Explore your dashboard, check your Financial Health Score, and let AI guide your next move.

Your financial transformation starts with a single step. Take it today.

— The MPecunia Team

mpecunia.com • @m__pecunia on Instagram & TikTok • officialmpecunia@gmail.com