Built for Kenya, by Kenya

Turn your M-Pesa PDF into a powerful financial report

Upload your Safaricom statement and get a fully analysed Excel file with charts, payee breakdown, and monthly trends — in seconds. No signup, nothing uploaded to any server.

⚡ Convert for Free See how it works

🔐

Your PDF never leaves your device. Everything is processed privately in your browser.

2,178

transactions extracted

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

Everything your accountant wished M-Pesa gave you

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

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Password-Protected PDFs

Enter the 6-digit SMS code Safaricom sends you and we unlock your statement instantly. No workarounds needed.

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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

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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..."

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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

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Keyword Filter

Type "Family Bank, KPLC, ADAM KAMAU" and download only those transactions. Perfect for loan officers, accountants, and auditors.

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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.

📱

Request your statement

Go to MySafaricom app or dial *234# and request your M-Pesa statement. Safaricom emails you the PDF and SMS you a 6-digit password.

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Upload your PDF

Drag and drop your PDF onto the converter. Enter the 6-digit SMS code if your statement is password-protected.

⚡

Cheche analyses it

In seconds, we extract every transaction, identify payees, categorise spending, and build your charts — all privately in your browser.

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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

Perfect for individuals who need their monthly statement converted once in a while.

1 statement per month
All 6 Excel analysis sheets
Charts and payee analysis
Keyword filter
Cheche watermark on Excel

Get started free

What people are saying

From accountants to individuals — real reactions from our first users.

★★★★★

I used to spend two hours manually copying M-Pesa transactions into Excel for client reports. This does it in 30 seconds and even ranks the payees for me.

James M.

Accountant · Nairobi

★★★★★

As a loan officer I need to verify M-Pesa income quickly. The filter feature lets me type "Family Bank" and see all salary deposits instantly. Game changer.

Amina W.

Loan Officer · Mombasa

★★★★★

I love that my data stays on my phone. No uploading to some server I don't know. The pie chart showing where my money went was a real eye-opener!

Sarah K.

Small business owner · Kisumu

Questions

Frequently asked questions

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

Is my M-Pesa data safe? →

100%. Your PDF is processed entirely in your browser — it never leaves your device. We do not have servers storing your financial data. What you convert stays with you.

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 *234#. Statements up to 6 months work perfectly. For longer periods, simply convert two statements and combine in Excel.

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.

Turn your M-Pesa PDF into a powerful financial report

Everything your accountant wished M-Pesa gave you

From PDF to Excel in four simple steps

Start free. Upgrade when you need more.

What people are saying

Frequently asked questions

Ready to understand your M-Pesa money?