Tracey FAQ

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.

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.

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.

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

Your first statement is free, read in full: all 10 cards, money in vs out, your money score, changes that would save you money, sorting and one budget. After that, Tracey Pro reads every statement and shows how you are doing month to month.

Pro is a prepaid pass: GHS 25 for 1 month, GHS 60 for 3 months or GHS 180 for 12 months. Pay once through Paystack with MoMo or card. Nothing renews automatically: Tracey reminds you before your pass ends. Invite a friend and you get a month of Pro free when they send their first statement.

Tracey starts with MTN Mobile Money. Telecel Cash, AirtelTigo Money and Ghanaian banks will be added one at a time.

English, Ghanaian Pidgin and Twi, by text or voice note. More Ghanaian languages are coming.

Tracey only reads the statement you send, never sells your data, and deletes your data when you ask. How we protect your data

Tracey helps you understand and manage your everyday spending. It does not give investment, loan or betting advice.