PennyWise vs Masarify Expense Tracker

PennyWise — AI Expense Tracker The simplest way to see where your money actually goes. Snap a receipt and AI extracts every item in seconds. Connect your bank and transactions land in the right category automatically. Ask your AI accountant — "how much on food this month?" — and get an instant answer. FEATURES • Smart receipt scanner — photos, PDFs, printed or digital receipts • AI Accountant — chat about your spending in natural language • Bank sync — Monobank • Telegram bot — log expenses on the chat • Statement import — CSV, XLSX, PDF, or photos • Budgets — monthly cap plus per-category limits • Recurring expenses — auto-added each month • Multi-currency with live exchange rates • Custom categories with icons and colors • Analytics — trends, breakdowns, monthly comparison • Month in Review — personalised recap on the 1st • Privacy mode — blur all amounts with one tap DESIGN Light and dark themes, six accent colors, six app icons. Offline-first — add expenses without a connection and sync later. Available in English and Ukrainian. PENNYWISE PRO Unlock unlimited receipt scans and AI messages, bank sync, Telegram bot, full analytics history, multi-currency, all app icons, and data export. • Monthly: $4.99 • Yearly: $29.99 (7-day free trial) Payment will be charged to your Apple ID at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription. You can manage and cancel subscriptions in your Apple ID account settings. Terms of Use: https://pennywise.info/terms Privacy Policy: https://pennywise.info/privacy

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