User-Owned Financial Intelligence from Mobile Money SMS

MomoParse parses raw MoMo SMS confirmations from MTN and Telecel into structured financial data, categorizes transactions with ML, and computes financial health indexes — giving users transparent credit intelligence from data they already own.

23SMS templates

543+tests passing

~95%MoMo volume covered

5financial indexes

How It Works

Parse

Detect telco, match against 23 regex templates, extract amount, balance, fee, counterparty, date

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Categorize

3-layer system: deterministic rules, Random Forest ML model, then counterparty learning

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Enrich

Compute 5 financial indexes and a composite health score (0–100) grounded in academic literature

Try It

Paste MoMo SMS messages below and generate a financial report.

SMS Messages

0000014293069861 Confirmed. You have received GHS1200.00 from MTN MOBILE MONEY with transaction reference: Transfer From: 233245221771-KWAME ASANTE on 2026-01-05 at 09:00:00. Your Telecel Cash balance is GHS3450.00. Ref: January salary
0000014293069865 Confirmed. You have received GHS500.00 from MTN MOBILE MONEY with transaction reference: Transfer From: 233554339337-AMA MENSAH on 2026-01-18 at 15:30:00. Your Telecel Cash balance is GHS3370.00. Ref: freelance work
0000014293069862 Confirmed. GHS350.00 paid to 400200 - SHOPRITE GHANA on 2026-01-10 at 14:30:00. Your new Telecel Cash balance is GHS3100.00. You were charged GHS0.00. Your E-levy charge is GHS0.00. Reference: groceries.
Sendi k3k3!
0000014293069863 Confirmed. GHS150.00 sent to 0244123456 - GHANA WATER on MTN MOBILE MONEY on 2026-01-12 at 11:00:00. Your Telecel Cash balance is GHS2950.00. You were charged GHS0.50. Your E-levy charge is GHS0.00.
Reference: water bill.
Sendi k3k3!
0000014293069864 Confirmed. You bought GHS80.00 of airtime for 0200123456 on 2026-01-15 at 10:30:00. Your Telecel Cash balance is GHS2870.00.
0000014293069866 Confirmed. GHS200.00 paid to 400300 - BOLT RIDES on 2026-01-20 at 14:22:00. Your new Telecel Cash balance is GHS3170.00. You were charged GHS0.00. Your E-levy charge is GHS0.00. Reference: transport.
Sendi k3k3!
0000014293069870 Confirmed. You have received GHS1200.00 from MTN MOBILE MONEY with transaction reference: Transfer From: 233245221771-KWAME ASANTE on 2026-02-05 at 09:00:00. Your Telecel Cash balance is GHS4370.00. Ref: February salary
0000014293069871 Confirmed. GHS400.00 paid to 400200 - SHOPRITE GHANA on 2026-02-08 at 13:15:00. Your new Telecel Cash balance is GHS3970.00. You were charged GHS0.00. Your E-levy charge is GHS0.00. Reference: groceries.
Sendi k3k3!
0000014293069872 Confirmed. GHS150.00 sent to 0244123456 - GHANA WATER on MTN MOBILE MONEY on 2026-02-12 at 11:00:00. Your Telecel Cash balance is GHS3820.00. You were charged GHS0.50. Your E-levy charge is GHS0.00.
Reference: water bill.
Sendi k3k3!
0000014293069873 Confirmed. You bought GHS45.00 of airtime for 0200123456 on 2026-02-10 at 09:15:00. Your Telecel Cash balance is GHS3775.00.

Each line is one SMS. Sample above: 2 months of Telecel Cash transactions.

Single Parse Result

Health Score

Monthly Breakdown

Month	Income	Expenses	Net	Rate