Owwed vs Masarifi

A simpler way to remember money. Keep track of money you have lent, borrowed, and paid back, without digging through messages, notes, or spreadsheets. Owwed is a private app for recording informal debts between friends and family. It keeps balances, payments, due dates, and reminders together in one calm place. WHAT OWWED DOES • See what is outstanding: who owes what, and what you still need to pay • Keep the full picture: amounts, payments, due dates, and remaining balances stay together • Remember at the right time: set a private reminder on your phone Designed for the small, everyday money moments between people. Whether you covered dinner, lent a friend money, or need to pay someone back, Owwed keeps the details clear without making the relationship feel transactional. PRIVATE BY DEFAULT • Local-first: debts, people, and payments stay on your device • No account: download and start keeping track • Works offline: your records remain available without a connection • Backups are your choice: make and save a backup when you need one Owwed does not need an account or a cloud service. Your data stays on your phone unless you choose to create a backup. IMPORTANT Owwed records informal debts. It doesn’t connect to a bank, send money, or contact anyone on your behalf. Free. No subscriptions. No ads.

Masarifi is a simple, elegant expense tracker that works fully offline — all your data stays on your device. No accounts, no ads, no tracking. Features: • Clear dashboard: income, spending, net savings and savings rate at a glance. • Auto-add from bank SMS: when your bank texts you, the amount is added automatically — even while your phone is locked, messages are queued and added when you open the app. One-tap shortcut setup. • Every currency supported: foreign transactions are converted to AED at daily exchange rates, with a built-in currency converter. • Per-category budgets with progress bars and over-limit alerts. • Smart analytics: yearly forecast, quarterly comparison, monthly heatmap. • Recurring commitments across every month, editable anytime. • Automatic monthly salary + savings goals and debt tracking. • Snap a receipt and auto-extract the amount, on-device. • Face ID lock, dark mode, and backup to iCloud or a file. • Full Arabic and English interface. Privacy first: Masarifi collects no data. The only internet request fetches the daily public exchange-rate table — no personal or financial information is ever sent.