Expense Tracker & Spending Log vs Masarefy

A spending log you can actually keep up with. Open it, tap the amount, pick the account — done, in about three seconds, before you have put your wallet away. No bank to connect, no account to create, no setup wizard standing between you and the first entry. WHY THIS ONE STICKS Most budgeting apps are abandoned for the same reason: logging is a chore. So this one is built around a keypad instead of a form. The number pad opens first, the account you used last is already selected, and one tap files it. A Home-screen shortcut and a Siri shortcut jump straight to a new transaction, so it is two taps from a locked phone. It is a manual tracker, deliberately. It does not read your bank feed and it does not guess what you spent. You write it down, and in return you actually know where the money went. WHAT YOU CAN DO Log expenses, income and transfers Every entry is double-entry underneath — money always leaves one place and arrives in another — so your balances stay honest without you having to think about it. Keep accounts in different currencies Give each account its own currency. A card in dollars, cash in euros, savings in pounds: amounts are converted as you go and still add up to one balance you can trust. Budget by day, week, month or year Set a limit and watch what is left, not just what is gone. See where it actually went Charts by category, by account and over time, filtered to any date range — an answer in ten seconds, not a dashboard you have to study. Make it yours Name accounts what you call them, give each one an emoji and a colour, and hide the small change if round numbers are easier to read. PREMIUM Everything above is free. One unlock adds the things that save the most typing: • Scan a receipt instead of entering it — point the camera and the merchant, date, subtotal and total are read and filled in for you • Recurring transactions — rent, salary, subscriptions and loan payments log themselves, daily through annually • Category budgets — a separate limit for each category, not just one overall figure • Transaction notes — remember the "why" behind an entry Premium is available monthly, yearly, or as a one-time purchase that never expires. Family Sharing is enabled, so a single purchase covers your family group. PRIVACY No ads, and no account to create. Your transactions are kept on your device; the only thing sent to a server is a receipt you choose to scan, so that it can be read for you. Privacy Policy: https://ymnktb.notion.site/p12y Terms of Use: https://ymnktb.notion.site/t14e

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.