A correction becomes a rule
File one payment and mTagger says how many others it would move, and what they add up to. Do all of them, or just this one.
Three months of spending, already in your inbox.
mTagger reads your M-Pesa messages, works out what each payment was, and adds it up. Transactions never leave the phone.
One text message in. One tagged payment out.
Each M-Pesa confirmation is read the moment it lands. On first launch, mTagger works through the last 90 days of your inbox.
SD44Q2628Z Confirmed. Ksh4,220.00 paid to SOKO FRESH MARKET. on 28/9/26 at 5:05 PM. New M-PESA balance is Ksh14,802.00. Transaction cost, Ksh0.00.
5:05 PM
SOKO FRESH MARKET
Groceries/Shopping
−Ksh 4,220
It reads sending, receiving, paybill, buy goods, withdrawals, M-Shwari, bank transfers and airtime. Anything else in your inbox is left alone.
It tells you when it is guessing.
The difference between knowing and guessing is the one thing mTagger never blurs. Every payment carries one of three marks.
- Groceries/Shopping Settled. You agreed, or a rule you wrote says so. It asks for nothing.
- Work Commute A guess. It waits for your Keep or Change, however long that takes.
- Tag this Nothing covers it yet. An empty slot, never a made-up category.
Nothing settles itself, because silence is not agreement.
It needs you less every week.
Insights that show the working
What you really spent once money that only moved is set aside. Your biggest payment, who you pay most, which heading is growing.
Shared payments, netted
When a friend sends back their share, tie it to the bill. The payment then reports what it cost you, with the subtraction in plain sight.
The original, one tap away
Every field is the parser's reading, so the SMS it came from is always there to check, word for word.
Seven accents, light or dark
Material 3 throughout, light or dark. Pick one and this section follows.
Your transactions stay on your phone.
No account, no sign-in, no server of ours. mTagger is free because it shows ads, and fetching them is the only reason it goes online. Nothing read from your messages is part of that request.
- Stored on the device
- Messages are parsed and kept on the phone itself. No transaction, total or counterparty is ever transmitted.
- No analytics
- Nothing tracks what you tag or how you categorise it. Cloud backup is switched off.
- Permissions held in check
- The build pins the exact permissions the app may hold, so a dependency cannot quietly add one.
- Gone when you uninstall
- Removing the app removes everything it stored. Your messages are left as they were.
What it asks for, and why
- Read and receive SMS
- The whole point. Incoming M-Pesa messages are matched against the transaction formats.
- Notifications optional
- So a new payment can be confirmed from the lock screen.
- Internet
- Ads from Google AdMob, and nothing else.
Your inbox already did the hard part.
Get it on Google PlaymTagger is not affiliated with Safaricom PLC. It reads messages and cannot move money. Your Safaricom statement is the authoritative record.