Cenno vs Masarify Expense Tracker

A ledger that is never uploaded to us. No account — every record stays on your devices and in your own iCloud. Other trackers are racing to see whose AI is smarter. The price is your statements on someone's cloud. Cenno goes the other way: everything is computed on device, and it works fine in airplane mode. Privacy here isn't a promise, it's the architecture. 【Three lines we won't cross】 · No account, nothing uploaded to us. Nothing to sign up for. Your ledger only travels between your devices and your own iCloud, so there is nothing for us to see. · Export is free forever. The data is yours; leaving Cenno should never cost money. · No ads, no splash screens, no financial upsell, no red dots. 【Three seconds per record】 - Cold launch straight to the keypad; math input (type 24+3.5, press return) - One-tap templates, and "save & new" for logging several in a row - 13 default categories with sub-categories; 128 built-in icons, all free - Receipt photos stay on device and ride along with your iCloud backup - iCloud sync is free: iPhone and iPad share one ledger, and records made on both merge cleanly - Search merchants, notes, tags and amount ranges (>100), indexed locally 【Budget and net worth】 - The whole budget feature is free: monthly total, per-category, unused amounts rolling into next month, daily allowance - Overspending is marked in cinnabar, with a suggested increase for next month - Net worth = assets − liabilities; credit limits, statement and due-date reminders - No bank connection: balance = your starting number + every record. "Reconcile" squares it up in one tap - Refunds and reimbursements are free: a settlement offsets the original expense instead of counting as income, so your categories always show what you truly spent 【Deleting removes the container, never the data】 Delete a category and its history moves somewhere you choose. Delete an account and its activity and balance move across, leaving net worth unchanged. Deleted records sit in Recently Deleted for 30 days. 【Piggy bank】 Order a pretend takeaway, then log what you saved by not ordering. Zero real money moves: no charge, no transfer, no account touched. 【Check-ins and badges】 Logging a record counts as a check-in. The home screen shows your streak and the week; nine badges pop up the moment they unlock. The share card carries the streak and badges only — never an amount. 【Cenno Pro】 The free tier is the complete tracking loop, with no cap on records. Pro unlocks six things: statement import, multiple ledgers, advanced reports, recurring records, reimbursements, and themes/widgets. A yearly subscription or a one-time purchase; prices are shown in the app, straight from the App Store. 【If you bought the old version】 Open 2.0 and Pro lifetime is already yours. You never pay again. English, French and 简体中文 · light and dark · requires iOS 17. Privacy Policy: https://cenno.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Masarify is your personal money manager and expense tracker — full financial control offline, with voice input and an AI money assistant, in Arabic and English. Track every expense and income, see exactly where your money goes, set budgets and savings goals, and stay in control — your finances stay on your phone by default. Everything runs on your phone. No account required. No ads. Optional Google Drive backup only if you want it. BUDGET PLANNER & SPENDING TRACKER • Build budgets across one or many categories and watch your progress in real time • Clear analytics: spending pace, biggest spending categories, cash-flow charts, and a daily spending heatmap • Daily spending analysis and spending patterns at a glance VOICE TRANSACTION ENTRY Just say it — "lunch 120 pounds" or "صرفت ١٢٠ جنيه على الغدا" — and Masarify turns your words into a categorized transaction. Voice expense input understands Egyptian Arabic dialect, Modern Standard Arabic, and English. No typing, no menus. EXPENSE CATEGORIES & MULTI-WALLET • Log expenses, income, and transfers in seconds with smart category suggestions and automatic expense categorization • Manage multiple wallets — cash, bank, savings, and credit card — each with a running balance RECURRING BILLS & SUBSCRIPTIONS • Schedule recurring bills and subscriptions (rent, internet, streaming) that record themselves automatically • Bill reminders and recurring bill tracking; auto-pay due bills from the wallet you choose SAVINGS GOALS • Set savings goals and track contributions toward them over time YOUR AI MONEY ASSISTANT Chat with your finances in plain language. Your AI money assistant (powered by Gemini) gives spending insights and money-management tips — ask "how much did I spend on coffee last month?", and let it create transactions, budgets, and goals for you. EXPORT & SECURITY • Export your data anytime to CSV, PDF, or a full JSON backup • Lock the app with a PIN and optional fingerprint or face unlock MASARIFY PRO Pro unlocks the features you reach for most: • Unlimited voice memos, with longer recordings • More AI assistant messages every day • Unlimited wallets, budgets, savings goals, and custom categories • Compare periods and go deeper in your analytics • Automatic scheduled Google Drive backups Monthly or yearly subscription — manage or cancel anytime in your App Store account. PRIVATE BY DESIGN • 100% offline-first — the app fully works with no internet. • Your transactions are stored only on your device. No cloud sync by default. • Optional Google Drive backup is your own encrypted file on your Drive — we never see it. • Private by design: data stays on your device, analytics are OFF by default, no third-party trackers, no ads. • Open privacy policy: montivagant.github.io/masarify-legal/privacy.html ARABIC-FIRST, BUILT FOR EGYPT & MENA • A personal finance app built for Egypt and the Gulf/MENA — Arabic-first. • Full right-to-left (RTL) layout — built for Arabic, not translated as an afterthought. • Arabic typography tuned for clear numbers, dates, and currency. • Currency defaults to the Egyptian Pound (EGP), and every supported currency works. Start managing your money offline — track every expense, set budgets, and reach your savings goals, in Arabic or English. Made in Egypt. Built for everyone. — Masarify Pro is an auto-renewing subscription (monthly or yearly). Payment is charged to your Apple Account; manage or cancel anytime in App Store settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://montivagant.github.io/masarify-legal/privacy.html