MypesaguardYou know your salary.
You know your rent.
Everything in between
is a mystery.
That mystery is costing you more than you think — not in one big spend, but in the UGX 3,000 boda here, the UGX 5,000 airtime top-up there, the kafunda tab that added up again. Mypesaguard makes every shilling visible: in Uganda, MoMo and Airtel log automatically from SMS — and anywhere in the world, any spend takes one tap, in your own currency.
Free. No account needed to start.
🔒 Your SMS never leaves your phone.↓ see what your money has been hidingJune 2026 · 12 days tracked
Pesa Check
UGX 72,440
Total tracked • June 2026
Where did my money go?
Spending breakdown
Daily average
UGX 3,293
UGX / day
Biggest expense
🍲 Food & Drinks
UGX 37,500
Top categories
How much did you spend on boda last month?
Don't guess. Do you actually know?
Most people don't. Not because they're careless — but because nobody built a tool for the way Ugandans actually spend. MoMo. Airtel. Cash at the market. Kafunda on Friday. Airtime on Saturday. None of it leaves an automatic record. None of it adds up anywhere you can see.
So every month the money goes, and every month the question is the same.
Knowing your number changes everything. Not by magic. By visibility.
Your MoMo does the logging. Cash takes three seconds.
People who know their finances aren't more disciplined. They just have a system that runs while they live their life.
MoMo auto-capture (Uganda)
MTN MoMo Airtel MoneyWhen you pay with MoMo or Airtel, Mypesaguard reads the SMS on your phone and sends you a notification with the amount and merchant already filled in. Tap to confirm the category — one tap, and it's logged. Nothing typed. Nothing uploaded.
MTN MoMo
You have paid UGX 12,500 to QUALITY SUPERMARKET. Ref 9928104. Bal UGX 74,300.
Mypesaguard · Tap to log
UGX 12,500 · QUALITY SUPERMARKET
UGX 12,500
MTN MoMoQUALITY SUPERMARKET · auto-filled
Your SMS never leaves your phone.
Quick manual entry
For cash — boda, market, kafunda — enter the amount, pick the category, add a note if you want, and save. Three seconds. That's the whole habit.
Enter Amount
UGX 3,000
Select Category
Every shilling has a story. This is yours.
Pick a category. Enter the amount. See what your spending pattern reveals.
What did you spend on today?
Pick a category. Enter the amount.
Enter Amount
UGX 0
Your money story appears here
Pick a category, enter the amount, and see what your spending pattern reveals.
← Start by picking a category
This is what every spend looks like in Mypesaguard.
Those small buys you barely noticed — under UGX 5k each — added up to that last month.
Than last week. Not because you earned more. Because you could see.
Your calmest spending day, every week. You didn't know that. Now you will.
Up three weeks running. Small top-ups, stacking quietly. Worth a look?
The longer you use it, the more it knows about you. Start finding out.
You tell it what matters. It tells you when you're drifting.
You set UGX 80,000 for boda this month. Three weeks in, you'd spent UGX 71,000. Mypesaguard saw it coming before you did — and told you. That's not discipline. That's information.
- Know you're drifting before you overspend
- Budgets that match how you actually spend
- The longer you use it, the sharper your picture gets
- Your history moves with you if you change phones
87% of budget used
At this pace, Food may exceed budget by UGX 18,000 this period. Time to slow down.
Every shilling goes somewhere. Here's where.
Your spending sorted into the shape of your life. The picture you've never had before.
Food & Drinks
Your biggest spend
avg 52% of spend
Transport
Boda & commuting
avg 26% of spend
Airtime & Data
Mobile top-ups
avg 11% of spend
Rent & Bills
Monthly fixed costs
Health
Medical & wellness
avg 10% of spend
Family & Support
Contributions & giving
Shopping
Clothes & household
Education
School & learning
Create your own categories too — unlimited on the free tier.
You're not going to remember every spend. This does.
You're not going to open the app every hour. Nobody does. These make sure it doesn't matter.
Smart reminders
A quiet evening prompt: 'Log today before you forget it.' Takes ten seconds.
Overspend alerts
Not after the money's gone — before. 'At this pace, boda hits the limit Thursday.'
Streaks & badges
Seven days logged. You'll feel it when you'd break it. That's the point.
Home-screen widget
Today's total. Right there on your home screen. Before you open anything.
Two versions of month-end.
Same salary. Same expenses. One difference.
Without Mypesaguard
You check MoMo. Lower than expected. Again.
You trace back through the week — the boda rides, the market runs, the airtime top-ups — and you still can't account for UGX 50,000. You tell yourself next month will be different.
It's the same thought you had last month.
With Mypesaguard
You open Mypesaguard. You already know.
You slowed down on boda in week three because you saw the number climbing. You have UGX 50,000 you didn't spend impulsively — not because you earned more, but because you could see.
You stopped wondering. You started choosing.
The difference isn't income. It's information.
Free. No account needed to start.
Most people check their balance and hope it's okay.
You can know instead.
Free. No account needed to start.
Your SMS never leaves your phone.
Your money data is yours. Not ours.
Giving an app SMS access feels like a big decision. Here's exactly what happens — and what never does.
On-device only
Your MoMo SMS is read on your phone, turned into a number, and the message is forgotten. It never leaves your device.
Only MoMo and Airtel
We read from two senders only. Personal messages, OTPs, conversations — invisible to us.
You're always in control
Auto-capture is off by default. Turn it on when you're ready, off whenever you want.
No passwords
Phone number and a PIN you set. That's your login — locked after wrong attempts.
Use it completely without an account. Your data is on your phone until you decide otherwise.
Works without internet. Your data lives on your phone.
Log, budget and view insights on metered data or no signal — perfect for patchy networks, in Uganda and beyond. Create a free account when you're ready and your history follows you to any phone.
How it works
MoMo pays → Mypesaguard notifies
You pay with MoMo or Airtel. The SMS lands on your phone. Mypesaguard reads it locally and sends a notification with the amount and merchant pre-filled.
One tap to confirm — or add cash manually
Tap the notification to confirm the category. For cash spends — boda, market, kafunda — open the app and add it in three seconds with the numpad.
Insights appear. Budgets keep you on track.
Every logged shilling unlocks a pattern about your spending. Set budgets and get warned before you overflow — not after the money's already gone.
The problems Mypesaguard solves for you
Real pain. Real solutions. Built for the way you actually live and spend.
You check MoMo and wonder where the money went
Every transaction parsed from your SMS automatically. Open the app and it's already there — amount, merchant, ready to confirm.
Cash leaves no trace at all
Three taps: amount, category, save. Done in three seconds. Nothing slips through ever again.
You always find out after you've overspent
Budget alerts warn you while you still have time. "Boda hits the limit Thursday at this pace." Not on Saturday when the money's gone.
No financial app understands how Ugandans actually spend
Built for MoMo, Airtel, boda, market, kafunda, airtime, and everything in between. UGX-native from the very start — and at home in your currency wherever you are.
Your financial data ends up on someone's server
MoMo messages are read on your phone and never uploaded. Your records stay on your phone unless you create an account to back them up — and then only you can see them.
Most apps take 10 minutes to set up before you can start
Download, open, start logging. No account needed. No onboarding maze. Works in the first 30 seconds.
Works offline
No data needed
Privacy-first
SMS never leaves your phone
No account needed
Works out of the box
Actually free
Not freemium, genuinely free
★ 4.8
Play Store rating
—
Transactions tracked
"Finally I know where it goes."
Early user
Questions, answered
Is it free?+
Yes. Free to download, free to use. No card, no account required to start. Up to 5 categories — more than enough to begin.
Is my SMS safe?+
Your MoMo and Airtel SMS are read on your device only, never sent anywhere. We take the amount, merchant and reference, and forget the message. Personal SMS and OTPs are never touched.
Does it need internet?+
No. Log spends, set budgets, view insights — all offline. Create a free account if you want your history to survive a new phone.
Which networks does auto-capture support?+
Auto-capture works in Uganda with MTN MoMo and Airtel Money. Cash, bank transfers, other countries' wallets — one tap to add manually.
Can I use it outside Uganda?+
Yes. Pick your country when you start and Mypesaguard keeps your plan in your own currency — KES, NGN, USD, EUR and 140+ more, cents included where your currency has them. SMS auto-capture is Uganda-only for now; everything else works everywhere.
Do I need an account?+
No. Everything works on-device with no account. The only reason to create one is so your data survives changing phones.
What about iPhone?+
Auto-capture from SMS is Android-only — Apple doesn't allow it. iPhone users get manual logging, budgets, categories, insights, and streaks.
The people who control their money
aren't special.
They just started knowing theirs.
Free. No account needed to start.
Android · iPhone · Free to start