Masarefy vs Masareef

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.

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/