Masarefy vs Masarify Expense Tracker

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.

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