Meet PesaLog — Every shilling. Every fee

Finance

PesaLog

Every shilling. Every fee.

What PesaLog does

When everything is a tap away — rent on a paybill, lunch on a till, fare sent to a friend — the shillings blur together. PesaLog is a fast, private spending log built around how mobile money actually works in Kenya and East Africa. You log each transaction the way you made it: Send Money, Paybill, Buy Goods (Till), Withdraw, Airtime or Deposit, with the recipient, a category and the fee you were charged.

The fee part matters. Transaction charges are easy to ignore one at a time and shocking when totalled — and whether you pay anything at all can depend on which tariff a business chose for its paybill. PesaLog gives every entry a fee field and rolls your charges up by month and by transaction type, so you can see what convenience actually costs and where switching from paybill to till (or batching withdrawals) would save real money.

Then there is the daily float. Instead of a rigid monthly budget that falls apart by the 10th, you set the amount you allow yourself per day. A ring on the home screen counts it down as you log, and anything unspent rolls forward. It is the way many people already manage cash — PesaLog just keeps the arithmetic honest.

No account, no sign-up, no internet required. PesaLog never asks to read your messages and never connects to your wallet — everything you type is stored 100% offline on your device with SwiftData, and it never leaves your phone.

• Quick entry with mobile-money types: Send, Paybill, Buy Goods, Withdraw, Airtime, Deposit • Per-transaction fee field with monthly fee totals by type • Daily float with countdown ring and rollover • Categories you control, with monthly breakdowns and top recipients • Search and filter by recipient, type or category • Fully offline and private — no SMS access, no wallet link, no account

Download PesaLog and find out, by the end of this month, exactly where the money — and the fees — went.

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

• Quick log — Log a transaction in seconds with M-Pesa-native types — Send Money, Paybill, Buy Goods (Till), Withdraw, Airtime, Deposit — plus amount, recipient, category and the fee charged. Recent recipients autofill for repeat payments.
• Daily float — Set a daily spending allowance; a countdown ring on the home screen shows what's left today, unspent float rolls into tomorrow, and a calendar strip shows which days you stayed under.
• Fee ledger — Every fee logged rolls into a dedicated fees view: monthly fee total, fees by transaction type, and a paybill-vs-till comparison highlighting where charges concentrate.
• Monthly review — Charts break the month down by category, by transaction type and by top recipients, with month-to-month comparison and full search and filtering over the transaction history.

Why we built it

Mobile money makes spending frictionless and invisible: the average Kenyan M-Pesa user makes 10+ transactions a week, each carrying a fee buried in a banded tariff (free on till, up to KSh 105+ on paybill for the same amount, with 20% excise duty baked in), and the Android apps that auto-track this via SMS permissions…

What makes it different

Unlike Bahi, which is a shopkeeper's ledger for credit extended to customers, and Gigday, which tracks gig-driver earnings and net income, PesaLog tracks personal outbound mobile-money spending — modeled on M-Pesa's own transaction types (paybill, till, send, withdraw) with a per-transaction fee ledger and a daily-flo…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: Every shilling. Every fee.

Try it

See the Every shilling. Every fee for the full feature list, the info table, and support links.

Use PesaLog, found a bug, or have a feature request? Comments are open below — anonymous is fine.