Masareefi vs Flow

Masareefi is the beautifully simple expense tracker and budget planner for iPhone, iPad, and Mac. Track every expense in seconds, set budgets, scan receipts, and see exactly where your money goes — private, on-device, and ad-free. WHY MASAREEFI • Lightning-fast one-tap entry — category, amount, done • 100% private — your data stays on your device and your iCloud. No accounts, no ads, no tracking, ever • Works offline and syncs across all your Apple devices TRACK & BUDGET • Multiple wallets, each with its own currency and balance • Budgets with progress bars and smart alerts at 80% and 100% • Recurring transactions — daily, weekly, monthly, yearly • Savings goals with progress rings BILLS, DEBTS & SPLITS • Bill reminders so you never miss a payment • Debt ledger — track what you owe and what you're owed • Split bills with friends, with auto-created IOUs RECEIPTS & REPORTS • Scan receipts with your camera — on-device OCR, nothing leaves your phone • Monthly PDF reports with charts and full transaction tables • CSV export and import — your data is always yours MADE FOR APPLE • Home-screen widgets — today's spend and this month's progress • Siri Shortcuts — "Log a 25 coffee" • Face ID lock • Light and dark mode with six accent colors • Full bilingual English and Arabic with complete right-to-left support Take control of your money — beautifully, privately, in your language.

Flow is a personal finance app that respects your privacy. Your money data stays on your device. No accounts, no ads, no analytics, no tracking SDKs. WHY FLOW Most finance apps are a privacy black box — they read your transactions, sell your spending patterns, and lock features behind subscriptions. Flow doesn't. Everything works offline. The app costs nothing. WHAT'S INSIDE - Smart Add: type "12 coffee" and Flow predicts the category from a 4-layer model — note keyword, your merchant memory, the time of day, and a fallback. Median add is 3 taps. - Recurring bills: track rent, subscriptions, salary. The Plan tab shows what's coming, what's paid, and what's left in your monthly Disposable. - Budgets per category: a soft warning at 80%, a stop sign at 100%. Rollover supported. - Net worth chart: 24 months of history, four time windows, drill into any account. - Insights: month-over-month deltas per category, income vs. spending by month, spike alerts when a category is 2σ above your rolling mean. - Multi-currency: hold accounts in different currencies, see totals converted to your display currency. FX rates refresh daily from a public provider — opt-in. - 50 locales. Right-to-left layouts for Arabic, Hebrew, Persian, Urdu. - Demo profile bundled — explore the full app with two years of realistic sample data before adding a single real transaction. PRIVACY Your data is stored only on your device (SQLite + MMKV). No backend. No login. No advertising network. No telemetry by default. Optional: FX rates fetched once per day from a public exchange-rate service; you can switch this off. EXPORT Export your full history as JSON or CSV at any time. Restore from a prior JSON export to a fresh install. Monthly and yearly PDF reports. OPEN ROADMAP Cloud sync, home-screen widgets, and Apple Watch / Wear OS companions are tracked for v1.1+. — Privacy: https://aqsaqal.github.io/moneyapp/flow/privacy/ Terms: https://aqsaqal.github.io/moneyapp/flow/terms/ Support: ak.saken@gmail.com