Tracey is a free expense tracker on WhatsApp for people in Ghana. Send your MTN MoMo statement and Tracey sorts every cedi into categories, shows where your money went and helps you set budgets you can actually keep.
What is Tracey?
Tracey is a free expense tracker on WhatsApp for people in Ghana. You send Tracey your MTN MoMo statement and Tracey shows you exactly where your money went, sorted by category, and helps you set budgets and build better money habits.
How does Tracey track and categorise my spending?
Tracey reads every transaction on your MTN MoMo statement PDF and sorts each one into a category such as transport, food, bills, family or betting. If Tracey can’t place a payment, it asks you once and remembers the answer next time.
Can Tracey help me stick to a budget?
Yes. You can set a monthly budget for each category, for example GHS 1,000 for transport. Each time you send a new statement, Tracey shows how you did against your budgets and where you could save.
How do I get my MTN MoMo statement?
Dial *170#, open My Wallet, then Statements, and request a statement. Enter your MoMo PIN, your email address and the dates you want. MTN emails you the statement as a PDF, which you then send to Tracey. Step-by-step guide
Is Tracey free?
Yes. Chatting with Tracey on WhatsApp is free. There is no app to download and no sign-up.
Which mobile money and banks does Tracey support?
Tracey starts with MTN Mobile Money. Telecel Cash, AirtelTigo Money and Ghanaian banks will be added one at a time.
What languages does Tracey speak?
English, Ghanaian Pidgin and Twi, by text or voice note. More Ghanaian languages are coming.
Is my data safe with Tracey?
Tracey only reads the statement you send, never sells your data, and deletes your data when you ask. How we protect your data
Does Tracey give financial advice?
Tracey helps you understand and manage your everyday spending. It does not give investment, loan or betting advice.
Still wondering? Email hello@tracefinance.app, or read the money guides.