# Masrofi — Budget & Expenses — Private AI Money Tracker

> Smart finance app for expense tracking, budgeting, and income management. (iPhone/iPad app by Mohammed H MS Arabi.)

- Source: https://appshunter.io/ios/app/masrofi-budget-and-expenses/id1467616866 (this page in markdown: same URL + `.md`)
- Developer: [Mohammed H MS Arabi](https://appshunter.io/developer/1123228804)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.6 · 8 MB
- Languages: American English, Arabic
- Released: 2019-06-12
- Data updated: 2026-09-03
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/masrofi-budget-and-expenses/id1467616866/reviews.md

## What is Masrofi?

Masrofi — the private, AI-powered money tracker.

Wondering where your salary goes every month? Masrofi helps you track 
expenses, manage budgets, and hit savings goals — with zero accounts, 
zero cloud uploads, and AI that runs entirely on your iPhone.

ASK MASROFI — ON-DEVICE AI (iOS 26+)
Ask in plain English or Arabic: "How much did I spend on restaurants?" 
"How close am I to my travel goal?" "What bills are due this month?" 
Answered instantly from your actual data. No internet required. Nothing 
leaves your device.

PRIVACY FIRST — FOR REAL
No account. No sign-up. No data collection — check our App Privacy 
label: we collect nothing. All AI, receipt scanning, and text 
processing happens on-device.

SAVINGS GOALS
Set a target, track progress, and see exactly how much is saved vs. 
remaining — with optional due dates.

NET WORTH
See your complete financial picture in one view — assets, liabilities, 
and a 6-month trend across all your accounts.

BILLS CENTER
Every recurring expense and upcoming bill in one place, sorted by next 
due date with monthly totals.

JAMEYA — ROTATING SAVINGS GROUPS
Run your money circle (jameya / susu / tanda) right inside Masrofi. 
Create the group, assign turns, share with members via iCloud link, and 
always know whose turn it is and when your payout month arrives.

ZAKAT CALCULATOR — FREE FOR EVERY MUSLIM
Nisab linked to live gold prices. Pull assets from your accounts or 
enter them manually. Works in any currency.

TRACK EXPENSES & INCOME
Fast daily logging by account and category. A clear dashboard shows 
balance, income, spending, and monthly net.

MULTIPLE ACCOUNTS & CURRENCIES
Cash, bank, card, or business accounts — 29 currencies with automatic 
conversion. Perfect if you manage money in USD and send or track funds 
back home.

RECEIPT SCANNER & SMART CATEGORIES
Photograph a receipt for instant extraction. On-device learning 
suggests the right category over time.

BUDGETS, ALERTS & FORECASTS
Category budgets with alerts at 80% and 100%. Spending trends and 
next-month forecasts.

WIDGETS · SIRI · SPOTLIGHT
Balance and quick-add from your home screen. Ask Siri about your 
spending. Find any transaction from iOS Search.

BUSINESS TOOLS (Business Plan)
Invoices, clients, PDF export, profit & loss, cash flow, and tax 
reports. ZATCA-compliant QR codes on every Saudi invoice PDF.

IRS TAX MODE (US)
Enable IRS Schedule C tracking, add standard deductible categories, 
and get a self-employment tax estimate in your Tax Summary report.

BANK SMS IMPORT & AUTO-SAVE (Gulf banks)
Paste a bank SMS and Masrofi extracts the amount, merchant, date, and 
account automatically. Or set up a one-time Apple Shortcuts automation 
to save bank SMS transactions with no taps at all. Supports Al Rajhi, 
SNB, Alinma, Riyad Bank, STC Pay, AlBilad, SABB, Banque Saudi Fransi, 
ANB, and Bank AlJazira.

PLANS

Free: 3 accounts, 20 categories, 3 months of history, 1 budget, 
3 goals, Zakat calculator

Premium: Unlimited everything, full history, forecasts, CSV export, 
iCloud sync, Ask Masrofi, SMS auto-save

Business: Premium + invoicing, reports, PDF export, business identity, 
tax reports

Face ID / Touch ID app lock · iCloud sync · Home & Lock Screen widgets

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Smart Bank SMS Import
- AI-Powered Forecasting
- Receipt Scanner
- Budgets & Alerts
- Recurring Transactions
- Privacy First Design
- Business Tools

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Masrofy Pro | $9.99 | per month |
| مصروفي برو | $79.99 | per year |
| مصروفي شخصي شهري | $4.99 | per month |
| مصروفي شخصي سنوي | $39.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/masrofi-budget-and-expenses/id1467616866/reviews.md

### 3/5 — تعديلات

*2023-12-25*

يرجى تعديل فقرة اضافة مصروف

**Developer response:** عزيزنا العميل تم تحديث التطبيق واضافه خصائص جديد مع إضافه قسم الأعمال

## Frequently asked questions about Masrofi

### What is Masrofi?

Masrofi is a smart finance companion app designed for expense tracking, budgeting, and overall money management. It offers features like AI-powered forecasting and on-device SMS import to help users understand and control their financial habits.

### Does Masrofi have ads?

No, Masrofi does not contain advertisements. The app prioritizes a clean user experience and focuses on providing financial management tools without ad interruptions.

### How does Masrofi handle bank SMS imports?

Masrofi allows you to import transactions by pasting bank SMS messages directly into the app. It automatically detects amounts, merchants, dates, and account details. This feature supports messages from multiple Saudi banks and wallets, with all processing done on your device for enhanced privacy.

### What are the subscription plans for Masrofi?

Masrofi offers a free tier with limited features. Paid plans include 'Masrofy Pro' at $12.99/month with a 7-day free trial, and an annual option at $69.99/year with a 1-month free trial, offering unlimited accounts, categories, and advanced features.

### Is Masrofi secure?

Yes, Masrofi emphasizes privacy and security. It requires no account creation, processes bank SMS data on-device, and offers Face ID/Touch ID app lock. Optional encrypted iCloud sync is also available to keep your financial data private.

### What business features does Masrofi offer?

The Business plan includes tools for freelancers and small businesses such as creating professional invoices, exporting PDFs, tracking profit and loss, analyzing cash flow, and generating VAT-ready tax summaries with custom branding.

### How often is Masrofi updated?

The app was last updated on May 4, 2026, indicating a commitment to ongoing development and feature enhancements. Users can expect regular updates to improve functionality and security.

### What is the age rating for Masrofi?

Masrofi has an age rating of 4+, making it suitable for a wide range of users. This rating suggests that the content and features are appropriate for children and adults alike.

## Version history (last 5 releases)

### 4.0 — 2026-08-30

Version 4.0 is the biggest update to مصروفي yet. Here's what's new:

Ask Masroofi AI
Chat with your wallet in Arabic or English. Ask about your spending,
income, and forecasts — all answered on-device using Apple Intelligence.
Subscribers can also add transactions through chat.

SMS Auto-Save via Shortcuts
Set up a one-time Apple Shortcuts automation and your bank SMS
transactions save automatically — no taps needed every time.

Jameya Tracker
Track rotating savings groups (جمعية). Assign turns, record payments,
and share the schedule with members.

Savings Goals
Set goals for Hajj, Eid, emergencies, or anything else. Track progress
and add contributions over time.

Net Worth
See your full financial picture — assets, liabilities, and a 6-month
trend in one view.

Zakat Calculator
Estimate your annual Zakat with a live gold price feed and auto-fill
from your accounts.

IRS Tax Mode (US)
US users can now enable IRS Schedule C tracking. Add standard
deductible expense categories and get a self-employment tax estimate
directly in your Tax Summary report.

Bills & Subscriptions Center
All your monthly bills in one place, with due-date tracking and
upcoming payment alerts.

ZATCA E-Invoice QR
Saudi VAT-registered businesses get automatic ZATCA-compliant QR codes
on every exported invoice PDF.

Plus: improved SMS parsing for more bank formats, smarter AI forecasts,
faster receipt scanning, and many bug fixes.

### 3.9 — 2026-08-26

Fixing the Ai agent for ask Masroofi added reasoning layer

### 3.8 — 2026-08-25

Bank CSV Import
Import transactions directly from your bank statement. Supports Chase, Bank of America, Capital One, Wells Fargo, and most US banks. Auto-categorizes expenses as you import.

Smart Currency Default
New installs now automatically pick the right currency for your country — USD for the US, JOD for Jordan, EGP for Egypt, AED for UAE, SAR for Saudi Arabia, and so on.

IRS Schedule C (Business Plan)
US users on the Business plan can now enable US Tax Mode. Get 10 standard Schedule C expense categories pre-loaded, a deductible breakdown by IRS form line, and a self-employment tax estimate in your tax report.

Paycheck Reminder Presets
Quickly set your salary reminder to the 1st, 15th, or 27th with one tap — no more scrolling through a picker.

Bug Fixes & Improvements

### 3.7 — 2026-08-18

Bug Fix — Account Deletion
Fixed an issue where deleting an account would leave its transactions behind, causing incorrect balances to appear on the dashboard. Transactions are now fully removed along with their account.

Account Deletion Protection
Before deleting any account, the app now shows a confirmation alert telling you exactly how many transactions will be permanently removed. No more accidental deletions.

### 3.6 — 2026-08-12

Jameya is here

Track your rotating savings group right inside Masroofi. See whose turn it is, when you'll receive the pot, and mark your monthly payment as paid — all in one tap.

• Jameya (rotating savings groups) — create a group, assign turns, and share with members via iCloud link
• Dashboard card shows live Jameya status — paid/due, your payout month, current turn
• Ask Masroofi now knows your Jameya — ask "متى دوري؟" or "did I pay my jameya this month?" and get an instant answer
• Ask Masroofi also covers safe-to-spend, savings goals, recurring bills, and full wallet context
• Bug fixes and UI improvements

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## More apps by Mohammed H MS Arabi

- [iCountPro](https://appshunter.io/ios/app/icountpro/id6456452235)
- [Mukhazin - Inventory Manager](https://appshunter.io/ios/app/mukhazin-inventory-manager/id6758871377)
- [Oradent](https://appshunter.io/ios/app/oradent/id6758958316)

All apps by Mohammed H MS Arabi: https://appshunter.io/developer/1123228804

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*