#1 Personal Finance Tracker for Kenya & East Africa

Track M-Pesa, Bank & Cash — all in one free dashboard

FinTrack automatically syncs your M-Pesa SMS transactions, tracks KCB, DTB, I&M and SBM Bank accounts, and gives you real-time budget insights — built specifically for Kenyans and East Africa.

Start tracking for freeSee how it works
Features

Everything you need to manage money in Kenya

From automatic M-Pesa SMS parsing to multi-bank account tracking, FinTrack gives Kenyan users a complete personal finance command center.

Automatic M-Pesa SMS Sync

Forward M-Pesa SMS notifications from your Android phone via MacroDroid or Automate. Our webhook parses and logs every M-Pesa send, receive, buy goods, pay bill, and Fuliza transaction in real time — zero manual entry.

Multi-Bank Account Tracking

Track M-Pesa, KCB M-Pesa, M-Shwari, DTB, I&M Bank, and SBM Bank all in one place. See balances, inflows, and outflows side by side. Automatic cross-account transfer detection.

Smart Budget Insights for Kenya

Set budgets in KES, get automatic overspend alerts, and see your top spending categories. Track subscriptions, identify wasteful spending, and plan savings goals tailored to the Kenyan cost of living.

Fuliza & M-Shwari Tracking

Automatically detects Fuliza overdraft usage and repayments, M-Shwari lock savings, and KCB M-Pesa loans. Stay on top of your mobile credit health.

Real-Time Cash Flow Dashboard

See exactly where your money goes every month. Daily, weekly, and monthly cash flow charts updated in real time as transactions arrive via SMS webhook.

Free Personal Finance Tool

Start completely free. No credit card required. Track unlimited transactions, set budgets, and access the full dashboard — built for Kenyans, priced for Kenyans.

How It Works

Set up in under 5 minutes

  1. Create your free account

    Sign up with your email. No credit card, no commitments. Your data is encrypted and private.

  2. Connect M-Pesa SMS forwarding

    Install MacroDroid on your Android phone and set it to forward M-Pesa SMS messages to your personal FinTrack webhook URL. Takes 3 minutes.

  3. Add your bank accounts

    Link DTB, KCB, I&M Bank, or SBM Bank SMS notifications. FinTrack automatically categorises every debit and credit.

  4. Watch your finances come alive

    Every transaction syncs in real time. Set budgets in KES, get alerts, and see exactly where your money goes every month.

Savings Estimator

How much could your savings grow?

Adjust the sliders to estimate compound growth on your KES savings

Estimated Value

KES 0

Formula: A = P(1 + r)^t
Profit: KES -10,000
Pricing

Simple, affordable pricing for Kenya

Start free. Upgrade only when you need advanced automation.

Basic — Free Forever

Manual expense tracking and budget overview

KES 0 / month
  • Manual transaction entry
  • Budget charts & dashboard
  • Spending category breakdown
  • Budget reminders
Sign up free
Most Popular

Pro — Full Automation

Automated M-Pesa sync + AI spending insights

KES 500 / month
  • Automatic M-Pesa SMS sync
  • KCB, DTB, I&M, SBM Bank tracking
  • AI smart spending insights
  • Unlimited budget alerts
  • Fuliza & M-Shwari tracking
Get Started — Pro

Frequently Asked Questions

Does FinTrack work with M-Pesa in Kenya?
Yes. FinTrack is built specifically for M-Pesa users in Kenya. Using a free Android app (MacroDroid), you forward your M-Pesa SMS notifications to FinTrack. Every send money, receive money, buy goods, pay bill, and Fuliza transaction is automatically parsed and categorised in real time.
Which Kenyan banks are supported?
FinTrack currently supports M-Pesa, KCB M-Pesa, M-Shwari, DTB Bank, I&M Bank, and SBM Bank via SMS webhook. More banks are being added regularly.
Is my financial data safe?
All data is encrypted in transit and at rest. Your M-Pesa and bank data is stored securely using Supabase with row-level security. We never share your data with third parties.
Is FinTrack really free?
Yes. The Basic plan is completely free forever with no credit card required. You can manually track expenses, set budgets, and view your dashboard at no cost. The Pro plan adds automatic M-Pesa SMS sync and AI insights.
Does it work on iPhone?
M-Pesa SMS forwarding requires an Android phone (for MacroDroid). However, the FinTrack web dashboard works on any device including iPhone, iPad, and desktop browsers.