Built for Kenya, by Kenya

Turn your M-Pesa PDF into a powerful financial report

Upload your Safaricom M-Pesa statement and get a fully analysed Excel file with charts, payee breakdown, and monthly trends — in seconds. No signup required. Your statement never leaves your control — read in your browser, processed instantly, nothing kept.

⚡ Convert for Free See how it works
🔐

Your PDF is extracted locally in your browser. Formatting is handled securely on our servers and the file is discarded immediately after delivery.

10,000+
transactions per statement
Before — Raw M-Pesa PDF
OD2AD5K8YU 2026-05-03 12:41:22
Pay Bill Online to 303030 - KCB M-PESA Acc. 9...
⚠ SAFARICOM APPROVAL STAMP
UC4AD8EZT3 2026-03-04 09:15:44
Customer Transfer Fuliza MPesa to 2547***880...
OD7AD3LWKP 2026-04-08 16:22:09
✨ Cheche converts this
After — Clean Excel Analysis
Payee
Category
Paid In
Withdrawn
KCB M-PESA
Loans
50,000
Family Bank
Received
64,000
ADAM KAMAU
Send Money
35,000
KPLC PREPAID
Utilities
5,000
✅ 6 analysis sheets · Charts · Payee ranking · Monthly trends
100%
accuracy on Safaricom PDFs
Handles 10,000+ transactions per statement · full 2 years
6 Excel analysis sheets
100% accurate text extraction
Encrypted HTTPS · nothing stored
Free to get started today
What you get

Everything your accountant wished M-Pesa gave you

Safaricom gives you a PDF. We give you a financial intelligence dashboard.

🔓
Password-Protected PDFs
Enter the 6-digit SMS code Safaricom sends you and we unlock your statement instantly. No workarounds needed.
📝
100% Accurate Extraction
We read the text layer directly from original Safaricom PDFs — every amount, every name, every date, exactly as it appears.
NO OCR ERRORS
👤
Clean Payee Names
We strip all the narration and transaction codes so you see "ADAM KAMAU" not "Customer Transfer Fuliza MPesa to - 2541***650 ADAM KAMAU via API..."
📊
Spending Charts & Analysis
Pie chart by category. Bar chart by top payee. Monthly trend bars. Visual financial intelligence built directly into your Excel file.
NEW IN V4.0
🔍
Keyword Filter
Type "Family Bank, KPLC, ADAM KAMAU" and download only those transactions. Perfect for loan officers, accountants, and auditors.
📅
Monthly Breakdown
See your income, spending, and actual expenditure (excluding loan repayments) broken down month by month across your statement period.
How it works

From PDF to Excel in four simple steps

No account needed. No waiting. Nothing leaves your browser.

1
📱
Request your statement
Go to MySafaricom app or dial *334# and request your M-Pesa statement. Safaricom emails you the PDF and SMS you a 6-digit password.
2
📤
Upload your PDF
Drag and drop your PDF onto the converter. Enter the 6-digit SMS code if your statement is password-protected.
3
⚡
Cheche analyses it
In seconds, we extract every transaction, identify payees, categorise spending, and build your charts — all privately in your browser.
4
📥
Download your Excel
Get a beautifully formatted 6-sheet Excel file with your dashboard, all transactions, payee ranking, categories, top transactions, and monthly summary.
Simple pricing

Start free. Upgrade when you need more.

No contracts. No credit card required to start. Pay with M-Pesa when you are ready.

Starter
Free
First conversion on us — full experience
Try the full product once. Raw + Formatted Excel, charts, payee analysis, Fuliza breakdown — no account needed.
  • 1 conversion, full experience
  • Raw Excel — 5 analysis sheets
  • Formatted Excel with Dashboard
  • Charts, payee & Fuliza analysis
  • No account required
Try it free
Pay As You Go
KES 99 / conversion
No commitment. Pay per statement.
Perfect for individuals and occasional users. Pay only when you need it — via M-Pesa, instantly.
  • 1 conversion per payment
  • Raw + Formatted Excel
  • Full Dashboard & charts
  • No account needed
  • M-Pesa STK Push payment
Coming soon
BEST VALUE
Professional
KES 799 / month
30 conversions/month — break-even at conversion 9 vs PAYG
For accountants, bookkeepers, and loan officers processing multiple client statements every month.
  • 30 conversions per month
  • Raw + Formatted Excel always
  • Full Dashboard & Fuliza analysis
  • Phone OTP account
  • M-Pesa monthly billing
Coming soon
Business
KES 2,499 / month
Unlimited — built for teams and firms
For SACCOs, microfinance institutions, bookkeeping firms and financial teams processing statements at scale.
  • Unlimited conversions
  • API access for integration
  • White-label Excel output
  • Up to 5 team members
  • Priority support
Contact us

PAYG and subscription payments via M-Pesa STK Push — no credit card, no PayPal, just your phone. Billed to your Safaricom number.

Use cases

Who Cheche is built for

One tool, three ways people use it every day.

Turn a client's 6-month M-Pesa statement into a clean, categorised Excel workbook in under a minute — payee analysis and monthly summaries ready for review, no manual retyping.

📊
Accountants & Bookkeepers
Client statement processing

Verify M-Pesa income fast. Fuliza and loan repayments are separated from real cash flow automatically, so the numbers you assess are the numbers that matter.

🏦
Loan Officers & Credit Teams
Income verification

See where your money actually goes. Your statement is read directly in your browser — you get charts, category breakdowns, and monthly trends without handing your data to anyone.

📱
Individuals & Small Businesses
Personal money tracking
Questions

Frequently asked questions

Everything you need to know about Cheche M-Pesa Converter.

Is my M-Pesa data safe? →
Yes — and here's exactly how. Your PDF is extracted entirely within your browser; the transactions never touch our database. For the formatted Excel report, your data is sent securely over HTTPS to our servers, formatted, and discarded immediately — nothing is kept. The only thing we store is your payment record (phone number, amount, and M-Pesa receipt) when you pay, because we're required to keep proper payment records for reconciliation and accounting. Your transactions, balances, and statement contents are never stored, logged, or shared.
What if my statement is password protected? →
No problem. When Safaricom sends your statement, they also SMS you a 6-digit code. Enter that code in the password field on our converter and we unlock it automatically.
How accurate is the extraction? →
On original Safaricom PDFs (sent directly from Safaricom email), we achieve 100% accuracy. We read the text layer directly — no OCR, no guessing. Every amount, name, and date is exact.
What does the Excel file contain? →
6 sheets: a visual Dashboard with charts, All Transactions with clean payee names and categories, a Summary, Payee Analysis ranked by spend, Category Breakdown, Top Transactions, and Monthly Summary.
Does it work on all M-Pesa statements? →
Yes, for statements requested through MySafaricom app or *334#. Statements up to 2 years (10,000+ transactions) are fully supported and processed in seconds.
Why are loan repayments excluded from the analysis? →
Loan repayments and transaction charges inflate your "spending" and distort your real expenditure picture. We exclude them so you see where your money actually goes — food, utilities, bills, people.
When will Pro and Business plans be available? →
Very soon. Join the waitlist by clicking the Pro button above and we will notify you first. Payments will be via M-Pesa STK Push — no card needed.
Can I filter transactions by a specific person or business? →
Yes. Type any name, business, or keyword in the filter box before converting. Separate multiple filters with a comma. Only matching transactions appear in your download — perfect for audits and loan processing.

Ready to understand your M-Pesa money?

Free to start. No signup. Works on any device. Your statement data is never stored.

⚡ Convert your statement now →