Masareef: Auto Expense Tracker

Gado1337

In-app purchases

About this app

💸 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. Once you're signed in it works offline, and your spending never reaches an analytics service.

⚡ AUTOMATIC SPENDING CAPTURE

• Card payments, transfers, top-ups, ATM withdrawals and income, each to the right wallet
• Keeps capturing while the app is closed; a late alert still lands
• 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

Recognises payment alerts from 469 banks, wallets and 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, Contact, 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, Arab Bank
• Asia — HDFC, ICICI, SBI, Paytm, PhonePe, HBL, Meezan, JazzCash, bKash, Maybank, DBS, GCash
• Africa — GTBank, Zenith, Access, UBA, Kuda, Moniepoint, M-PESA, Equity, FNB, Absa
• Europe & Americas — Revolut, Wise, Monzo, Barclays, Santander, BBVA, Chase, Citi, Nubank, Itaú

Masareef is 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 the app
• A full add screen for expenses, income and transfers, with categories
• 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
• 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 to payday

🕌 ZAKAT & DEBTS

• Zakat from the wealth you already track, against nisab, at today's gold price
• Money you owe and money owed to you, 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, 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
• 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, full Arabic with RTL, and a native feel.

💚 A free expense tracker, spending tracker and budget planner. Start in seconds.

What’s new

Clearer errors, and faster fixes when something breaks

• Restoring purchases now tells you when the store could not be reached, instead of saying you have none.
• A card payment that fails to save now says so, instead of doing nothing.
• A damaged capture queue is kept and reported, never silently emptied.
• When Masareef closes unexpectedly, we now learn why, so crashes and freezes get fixed faster.