Masareef: Auto Expense Tracker

💸 Masareef is a fast, private expense tracker and budget planner that does the boring part for you.

Most money manager apps make you type in every purchase, and after a week you stop. Masareef reads your bank's SMS and payment alerts on your device and turns them into transactions by itself, even while the app is closed.

⚡ AUTOMATIC SPENDING CAPTURE

• Card payments, transfers, top-ups, ATM withdrawals and income, each to the right wallet
• Add a card's last 4 digits to route its alerts to its wallet
• Free includes 25 automatic captures a month; Masareef Pro lifts the cap
• Review a capture in one tap, or let confident ones post automatically, with undo
• Auto-tracking stays off until you turn it on

🏦 WORKS WITH YOUR BANK

Reads alerts from 1202 banks, wallets & payment apps:

• Egypt — NBE, Banque Misr, CIB, QNB Alahli, Banque du Caire, AAIB, Bank of Alexandria, HSBC, Crédit Agricole, ADIB, Al Baraka, HDB, SAIB, FABMISR, Arab Bank, aiBANK
• Egypt wallets — InstaPay, Vodafone Cash, Orange Cash, e& Cash, WE Pay, Fawry, Telda, ValU, Meeza, MNT-Halan, Money Fellows, Khazna, OPay
• Saudi Arabia — Al Rajhi, SNB, Riyad Bank, SAB, Alinma, Albilad, ANB, Banque Saudi Fransi, Bank Aljazira, stc pay, urpay, mada Pay, Tabby, Tamara
• Gulf & MENA — Emirates NBD, FAB, ADCB, Mashreq, Dubai Islamic Bank, RAKBANK, NBK, KFH, QNB
• Maghreb — BaridiMob, BNA, CPA, BADR, Attijariwafa, CIH, Banque Populaire, Bank of Africa, BIAT, Flouci
• Asia — HDFC, ICICI, SBI, Paytm, HBL, JazzCash, bKash, Maybank, GCash
• Africa — GTBank, Zenith, Kuda, Moniepoint, M-PESA, FNB
• Europe & Americas — Revolut, Wise, Monzo, Barclays, Chase, Citi, Nubank

Independent: not affiliated with any bank or wallet listed, and never asks for your banking password.

⌨️ ADD IN SECONDS

• Say or type it, in Arabic or English: "spent 250 coffee" posts instantly
• A home screen widget and a Quick Settings tile add a spend without opening it
• Or reply straight from the notification

👛 WALLETS & MULTI-CURRENCY

• Cash, bank accounts and mobile wallets side by side, each with a balance
• Pick any country and currency; symbols, formatting and bank list follow

🎯 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 to payday

🕌 ZAKAT & DEBTS

• Zakat from the wealth you track, against nisab, at today's gold price
• Money you owe and are owed, with an optional yearly rate
• Installment plans followed to the last payment

🔁 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
• Income vs. expense, this month vs. last, and your biggest movers
• Double charges, refunds matched to purchases, and unusual charges

✈️ TRIPS, 🏧 ATMS & PRICES

• Trips in their own currency, ATMs on a map, and barcode price checks

⭐ MASAREEF PRO, WITH AI

• AI Coach: ask about your month, get a budget, goal or target back
• Income coach: ways to earn more from your job, with a plan
• AI reads crumpled receipts, and bank alerts the phone couldn't parse
• Unlimited auto-capture, net worth, any-currency wallets, family ledger
• Your ledger never goes to the AI: each feature sends only what it needs

🔐 PRIVATE BY DEFAULT

• Transactions stay on your device and sync only to your own account
• App lock with fingerprint or face, and a blurred switcher preview
• No ads, no data selling, and no financial data in analytics, ever

☁️ BACKUP & SYNC

• A free account (email or Google 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, and full Arabic with RTL.

💚 A free expense tracker, spending tracker and budget planner.

Recent changes:
Stronger under the hood
• Sign-in runs on the same new version as our servers, so your session stays steady.
• Signing out now clears every trace of your session from the phone and ends it on our servers too.
• Fresher foundations across the app: purchases, in-app updates, translations and crash reporting all moved to their latest versions.
• Small fixes and polish all over.