Thrwa vs Masarefy

Thrwa App helps individuals turn income into wealth by combining Financial Literacy, Personal Finance Management, Wealth Planning and Investment Access into one digital ecosystem. We help young professionals and families build, plan and grow their financial lives without juggling banks, brokers, advisors and YouTube videos.

Masarefy is a private, local-first expense tracker for iPhone - built for everyday spending in Egypt, the Gulf, and beyond. Your transactions, wallets, budgets, and goals stay on your device. If you turn on iCloud Sync, your data syncs through your own iCloud account - not ours, because we don't run any servers. No sign-up, no ad network, no analytics following you around the web. An alternative to subscription-based money trackers that hold your data hostage. ***WHAT MASAREFY DOES ***Log expenses and income in seconds - quick-add from a home-screen widget, lock-screen widget, Siri shortcut, or the app. Multiple wallets - cash, debit cards, credit cards, bank accounts, savings - track balances side-by-side in EGP or any currency. Custom categories - rename, recolor, reorder. Monthly budgets per category with progress rings. Savings goals with visible progress. Gold tracker - grams + 18k / 21k / 24k purity. Zakah calculator - Hijri-aware due dates, nisab thresholds, breakdowns of cash, gold, and trade goods. Merchants - 28 built-in (Talabat, Carrefour, Uber, Vodafone, Netflix, Spotify) plus your own. CSV import and export - no lock-in. ***BANK SMS PARSING (EGYPT-FIRST) ***Paste a bank or wallet SMS - or trigger a Shortcut - and Masarefy turns it into a transaction with the right amount, merchant, and date. Built-in parsers cover CIB, Banque Misr, NBE, Alex Bank, InstaPay, and Vodafone Cash, in English and Arabic. The app never reads your SMS inbox. SMS content reaches Masarefy only when you paste it or run your Shortcut. ***WIDGETS AND SIRI ***Home-screen and lock-screen widgets with Quick-Add. Siri shortcuts: Add expense, Add income, Log bank SMS. Widgets and the app icon follow your accent color. ***PRIVACY BY DESIGN ***No backend server holds your finances. No account required. Ever. No ads. No marketing trackers. No data brokers. No access to your contacts, photos, location, microphone, or camera. Optional iCloud Sync through your private CloudKit database. Optional crash reporting, off by default. Read the full policy in-app: More, Privacy policy. ***ARABIC AND ENGLISH ***Full Arabic localization with RTL layout, Arabic-Indic numerals toggle, and Hijri-aware Zakah dates. Built for Arabic, not translated to it. ***FREQUENTLY ASKED ***Does Masarefy require an account? No. There is no sign-up. Your data is keyed to your device (and your iCloud, if you opt in). Does it read my SMS inbox automatically? No. iOS does not allow that, and we would not want it. SMS content reaches Masarefy only when you paste it or run a Shortcut you set up. Where does my data live? On your device, in Apple's SwiftData store. If you turn on iCloud Sync, it also lives in your private CloudKit database - your iCloud, not ours. Which banks are supported? CIB, Banque Misr, NBE, Alex Bank, plus InstaPay and Vodafone Cash, in English and Arabic. You can also write your own rules. Is there a subscription? No. Masarefy is free. Does it support multiple currencies? Yes. Set any currency code; the app formats amounts using your device's locale.