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 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/