PennyWise AI Expense Tracker vs Masareef

PennyWise is a private expense tracker and budget app that keeps your money — and your data — entirely on your device. No accounts. No cloud. No tracking. No ads. Add expenses in seconds, import your bank statements, and watch a clean, categorized timeline of where your money goes — with budgets, trends, and insights that never leave your iPhone. Why PennyWise • 100% on-device & private — your data never leaves your phone • No sign-up, no accounts — open the app and start • Import statements — bring in Google Pay & PhonePe PDF statements • Smart analytics — spending trends, category breakdowns, top merchants • Budgets — set limits per category, with custom monthly cycles • Subscription tracking — keep an eye on recurring payments • Smart rules — auto-categorize your transactions • Multi-currency support • Beautiful dark mode • Open source (AGPL-3.0) Expense tracking, your way Add income and expenses fast, or import a statement to backfill your history. Every transaction lands in a searchable, categorized timeline — a spending tracker that's always up to date. Budgets that fit real life Set category budgets and track progress at a glance. Custom cycle start days mean your "month" can begin on payday, not the 1st. Private by design All processing happens on your device — no servers, no API calls, nothing leaving your phone. There are no accounts to create, and the full source is open (AGPL-3.0) so anyone can verify exactly what the app does. Free & open source PennyWise is completely free, with no ads and no in-app purchases. The full source is open (AGPL-3.0). Download PennyWise for private, effortless expense tracking and budgeting.

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 own SMS alerts into transactions. Set it up once and your spending files itself, even while the app is closed. Everything stays private on your phone, works offline once you're signed in, and never reaches an analytics service. AUTOMATIC SPENDING CAPTURE • A guided one-time setup builds the Shortcuts automation for you, step by step • After that, bank messages become transactions on their own, and a banner says what was captured • Card payments, transfers, top-ups, ATM withdrawals and income, each to the right wallet • Or share any bank message to Masareef from the share sheet — one tap • Review before it posts, or let confident payments post automatically, with undo • Auto-tracking stays off until you turn it on, and off again any time WORKS WITH YOUR BANK Recognises payment alerts from 413 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 • Worldwide — HDFC, Paytm, GCash, M-PESA, Revolut, Wise, Barclays, Chase, Nubank 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: "spent 250 coffee" posts instantly • Or say it: hold the + and speak, Arabic or English • A full add screen for expenses, income and transfers, with categories and wallets WIDGET & SIRI • A Home and Lock Screen widget shows today and this month against your target • "Log an expense in Masareef" and "How much did I spend today" work from Siri and Spotlight WALLETS & MULTI-CURRENCY • Cash, bank accounts and mobile wallets side by side, each with its own balance • Pick any country and currency; symbols, formatting and bank list follow • Net worth across every wallet, with a trend line BUDGETS & PLANNING • Per-category budgets with on-track, near-limit and over states • A monthly target that says what's safe to spend today • Cash flow shows whether your balance lasts until payday SUBSCRIPTIONS & BILLS • A subscription tracker that finds them in your history, with yearly cost • Recurring rent, salary and bills post on schedule, with pause and skip INSIGHTS • Where it went: a donut ranking every category; tap for details • Income vs. expense, this month vs. last, and your biggest movers • Savings rate, financial health and the share logged automatically • Double charges, refunds matched to their purchase, and unusual merchant charges TRIPS & ATMS • Track a trip in its own currency, and find ATMs near you on a map PRIVATE BY DEFAULT • Transactions stay on your device and sync only to your own account • Optional app lock with Face ID or Touch ID, and a hidden app switcher preview • No ads, no data selling, and no financial data in analytics, ever BACKUP & SYNC • A free account (email, Google or Apple sign-in) unlocks the app and backs up your data for a new phone • Offline-first: once you're signed in, everything works with no connection • Export to CSV, or keep a full backup you can restore any time Light and dark themes, full Arabic with right-to-left layout, and a native feel. Masareef is a free expense tracker, budget planner and money manager with automatic bank SMS capture. Start in seconds. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vette1123.github.io/masareef-privacy/