Masarefy vs Billy

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.

Billy reads your receipt and works out exactly what each person owes — including tax and service — so nobody argues and nobody gets short-changed. Scan the receipt. Tap who ordered what. Send everyone their share. SCANNING THAT STAYS ON YOUR PHONE Point your camera at the receipt and Billy reads the items using Apple's on-device text recognition. No AI service, no server, no upload. The photo never leaves your phone and is not kept. Because paper receipts are creased, faded and inconsistent, every scan opens a review screen first. Fix a name, correct a price, untick anything that isn't an item, add whatever was missed. Only what you confirm reaches the bill. TAX AND SERVICE, DONE PROPERLY Restaurants price two different ways, and Billy supports both. If menu prices exclude tax and service, they're added to the subtotal and split in proportion to what each person ordered — so the person who had the expensive main pays more of the service, which is only fair. If prices already include them, nothing is added twice. SPLIT HOWEVER IT ACTUALLY HAPPENED Assign an item to one person, to a few who shared it, or to everyone. Anything left unassigned is split equally and flagged, so you never accidentally leave something out. Quantities, discounts, tips and delivery are all handled. THE MATHS ALWAYS ADDS UP Money is handled in whole piastres and leftover pennies are handed out one at a time, never rounded away. Each person's share is exact, and the shares always total the bill. SHARE IN ONE TAP Send each person their own itemised share, or the whole breakdown, through WhatsApp, Messages or anything else on your phone. GROUPS AND HISTORY Save the people you split with often and every new bill starts with them already added. Past bills stay on your phone, ready to reopen and check. ENGLISH AND EGYPTIAN ARABIC Switch language in one tap, with full right-to-left layout. The receipt reader handles Arabic receipts and Arabic-Indic numerals too. CURRENCY CONVERTER Over 160 currencies for when you're travelling, cached on your device so it still works with no signal, and always dated so you know how current the rate is. DON'T FORGET YOUR THINGS Keep a list of what you always leave behind — bottle, ID, keys — and get a reminder as you head out the door. PRIVATE BY DESIGN No account. No sign-up. No analytics, no advertising, no tracking. Your bills live on your phone and nowhere else.