Hesabaty vs Masareef

Hesabaty is the personal-budgeting app built for Egypt. Track every pound — automatically. Privacy Policy: https://hesabatypersonal.vercel.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ — AUTOMATIC SMS TRACKING — Hesabaty parses bank SMS from 12 Egyptian banks (CIB, NBE, Banque Misr, AAIB, QNB, ADCB, HSBC, Emirates NBD, Mashreq, Suez Canal Bank, Faisal Islamic, ABC) using a one-time iOS Shortcut setup. Every transaction lands in your dashboard the moment your bank texts you — no copy-paste, no waiting until end of month. — APPLE PAY READY — Tap, pay, tracked. Hesabaty integrates with Apple Pay through a Shortcut so contactless payments show up in your budget instantly. — SMART MONTHLY BUDGETS — Set a budget per category and let Hesabaty roll the leftover into next month automatically. Watch overspending in real time with a clear progress ring on each category. No more guessing where the money went. — SAVINGS GOALS — Working toward a new phone, a trip, or an emergency fund? Create a goal, set a target, and Hesabaty shows your progress every time you save. — SUBSCRIPTIONS & BILLS — Track every recurring charge — Netflix, ADSL, gym, school fees — and get a heads-up before each renewal so nothing slips through. — TRENDS & INSIGHTS — See where your money goes across weeks and months with category breakdowns, top merchants, and a smart AI assistant that answers questions about your own spending in plain English or Arabic. — PRIVATE BY DESIGN — Your raw SMS messages never leave your phone unencrypted. Bank text is parsed locally and only the structured transaction (amount, merchant, category) is stored. We never sell your data and never share it with third parties. Every database table is protected with row-level security so only you can read your own data. — ARABIC + ENGLISH — Fully translated with proper right-to-left layout. The app feels native in both languages. — HESABATY PRO — Upgrade to Pro to unlock: • Unlimited AI budgeting assistant chat • AI-powered monthly spending insights • Unlimited bank-SMS auto-tracking (free tier is 30/month) • Export to CSV / PDF for your accountant or records • Priority support Pro is billed monthly or yearly — cancel anytime from your Apple ID subscriptions. — BUILT FOR EGYPT — EGP as the primary currency. InstaPay fees applied automatically on outgoing transfers so your balance matches your bank statement. Cairo timezone for budget resets. Categories tuned for how Egyptians actually spend. Start free. Upgrade when you're ready.

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 SMS alerts into transactions. Set it up once and bank texts are caught even while the app is closed, then filed when you open it. It works offline once you're signed in, and your financial data never reaches an analytics service. AUTOMATIC SPENDING CAPTURE • A guided one-time setup walks you through a Shortcuts automation • A banner tells you when a bank text is caught • On iOS 27 and later, a second automation can catch your bank app's alerts too • Payments, transfers, top-ups, ATM cash and income, each to the right wallet or card • Or share a bank message, or import a CSV, Excel or PDF statement • Review first, or let confident ones post on their own, with undo WORKS WITH YOUR BANK Recognises payment alerts from 1202 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 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: "coffee 45, taxi 80" logs both • Or hold the + and say it, in Arabic or English YOUR DAY • An 8:30 brief: what you can spend today and the bills due, with your streak on Home • Pin the seven tools you use most to Home • Ask about your money, answered on your phone. Coach says what to do next (Pro) WIDGETS & SIRI • Home and Lock Screen widgets for today's spending and safe-to-spend; budget, goal and quick-log widgets (Pro) • Siri in English and Arabic, plus Control Center and Action button shortcuts WALLETS & NET WORTH • Cash, bank and mobile wallets side by side, in any country and currency • One total across every wallet, with a six-month trend • Wallets in another currency, plus gold, silver, shares and funds in one net worth (Pro) BUDGETS & PLANNING • Category budgets that warn you at 80% and over the limit • A monthly target that says what's safe to spend today; your month can start on payday • Savings goals, money owed, installments and gam'eyas, and zakat worked out for you • Plan: a split for your income and where it leads in 5, 10 and 20 years (Pro) SUBSCRIPTIONS & INSIGHTS • Subscriptions found in your history, with yearly cost and price rises flagged • Recurring rent, salary and bills post on schedule • Where it went: every category ranked, plus double charges and refunds • Trends, merchants, unusual charges, cash flow and your money story (Pro) COMPARE PRICES • Scan a barcode to see prices near you, each with its source and date PRIVATE & BACKED UP • A free account (email, Google or Apple sign-in) unlocks the app and backs up your data for a new phone • Data syncs only to your own account, and Face ID can lock the app • No ads, no data selling, and no financial data in analytics, ever • AI features (Pro) run only when you ask, and never see your whole ledger MASAREEF PRO Free includes 25 automatic captures a month and everything above not marked Pro. Pro adds unlimited capture, receipt photos and warranty reminders, trips, a shared ledger, sync on all your phones, Google Drive backup, CSV export, statements for any dates, and AI that reads the alerts Masareef couldn't. Pro is a monthly or yearly subscription that renews until cancelled in your App Store settings, or a one-time lifetime purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vette1123.github.io/masareef-privacy/