Comparison

U_Track vs Masareef

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

U_Track

Features
Read full description

UIS App contains Operational Dashboard, Cash Reports, Contracts List, Account Statements, Vouchers, Invoices, Person Ledgers, Person Balance.

About

Masareef

Features
Read full description

Masareef is a fast, private expense tracker that does the boring part for you. Most money apps make you type in every purchase, and after a week you stop. Masareef turns your bank's own SMS alerts into transactions. Set it up once and your spending files itself, even while the app is closed. Everything stays private on your phone, works offline once you're signed in, and never reaches an analytics service. AUTOMATIC SPENDING CAPTURE • A guided one-time setup builds the Shortcuts automation for you, step by step • After that, bank messages become transactions on their own, and a banner says what was captured • Card payments, transfers, top-ups, ATM withdrawals and income, each to the right wallet • Or share any bank message to Masareef from the share sheet in one tap • Review before it posts, or let confident payments post automatically, with undo • Auto-tracking stays off until you turn it on, and off again any time WORKS WITH YOUR BANK Recognises payment alerts from 469 banks, wallets and payment apps, including: • Egypt — NBE, Banque Misr, CIB, QNB Alahli, Banque du Caire, AAIB, Bank of Alexandria, HSBC, ADIB, Al Baraka, aiBANK • Egypt wallets — InstaPay, Vodafone Cash, Orange Cash, e& Cash, WE Pay, Fawry, Telda, ValU, Meeza, Contact • Saudi Arabia — Al Rajhi, SNB, Riyad Bank, SAB, Alinma, Albilad, Bank Aljazira, stc pay, urpay • Gulf & MENA — Emirates NBD, FAB, ADCB, Mashreq, Dubai Islamic Bank, NBK, QNB, Arab Bank • Worldwide — HDFC, Paytm, GCash, M-PESA, Revolut, Wise, Barclays, Chase, Nubank Masareef is an independent app, not affiliated with or endorsed by any bank or wallet listed, and it never asks for your banking password. ADD IN SECONDS • Type it in plain words, English or Arabic: "spent 250 coffee" posts instantly • Or say it: hold the + and speak, Arabic or English • A full add screen for expenses, income and transfers, with categories and wallets WIDGET & SIRI • A Home and Lock Screen widget shows today and this month against your target • "Log an expense in Masareef" and "How much did I spend today" work from Siri and Spotlight WALLETS & MULTI-CURRENCY • Cash, bank accounts and mobile wallets side by side, each with its own balance • Pick any country and currency; symbols, formatting and bank list follow • Net worth across every wallet, with a trend line BUDGETS & PLANNING • Per-category budgets with on-track, near-limit and over states • A monthly target that says what's safe to spend today • Cash flow shows whether your balance lasts until payday SUBSCRIPTIONS & BILLS • A subscription tracker that finds them in your history, with yearly cost • Recurring rent, salary and bills post on schedule, with pause and skip INSIGHTS • Where it went: a donut ranking every category; tap for details • Income vs. expense, this month vs. last, and your biggest movers • Savings rate, financial health and the share logged automatically • Double charges, refunds matched to their purchase, and unusual merchant charges TRIPS & ATMS • Track a trip in its own currency, and find ATMs near you on a map PRIVATE BY DEFAULT • Transactions stay on your device and sync only to your own account • Optional app lock with Face ID or Touch ID, and a hidden app switcher preview • No ads, no data selling, and no financial data in analytics, ever BACKUP & SYNC • A free account (email, Google or Apple sign-in) unlocks the app and backs up your data for a new phone • Offline-first: once you're signed in, everything works with no connection • Export to CSV, or keep a full backup you can restore any time Light and dark themes, full Arabic with right-to-left layout, and a native feel. Masareef is a free expense tracker, budget planner and money manager with automatic bank SMS capture. Start in seconds. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vette1123.github.io/masareef-privacy/

Screenshots

U_Track4 screens
Masareef4 screens

Verdict

The call

The clearest difference is in-app purchases: U_Track at none against Masareef's 3. Masareef's advantage is update cadence (daily vs fortnightly). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Masareef sells 3 in-app purchases, starting at $4.99 per month. U_Track asks for nothing beyond the download.

UpkeepUpdate frequency

U_Track ships an update fortnightly, Masareef daily. The most recent releases landed on October 13, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 4 level
U_Track versus Masareef: the parameters behind the verdict, then further details
ParameterU_TrackMasareef
PriceFreeFree
Update frequencyFortnightlyDaily — better
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size43 MB88 MB
Age rating4+4+
DeveloperOSAMA AHMED MOHAMED ELSAID ABDELBARYMohamed Gado

In-app purchases

None

U_Track

No in-app purchases

3 purchases

Masareef

Subscriptions2
  • Pro Monthly: Expense Tracker$4.991 Month
  • Pro Yearly: Expense Tracker$29.991 Year
One-time1
  • Pro Lifetime: Expense Tracker$99.99

Questions

Is U_Track free?
U_Track is free to download, with no in-app purchases.
Is Masareef free?
Masareef is free to download, with in-app purchases available.
Do U_Track or Masareef have ads?
Neither U_Track nor Masareef shows ads.
Which is updated more often, U_Track or Masareef?
U_Track ships an update fortnightly, and Masareef daily. Most recently, U_Track was updated on October 13, 2026 and Masareef on October 7, 2026.

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