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. Your spending lives in a private database on your phone, works fully offline, and is never sent to any analytics service.

⚡ AUTOMATIC SPENDING CAPTURE

• Reads card payments, transfers, wallet top-ups, ATM withdrawals and incoming money, each routed to the right wallet
• Keeps capturing while the app is closed, and an alert recovered later still appears
• Review a capture in one tap, or let high-confidence payments post automatically with undo
• Auto-tracking stays off until you switch it on, and off again any time

🏦 WORKS WITH YOUR BANK

Recognises payment alerts from 70+ banks, wallets and fintech apps, including:

• Egypt — NBE, Banque Misr, CIB, QNB Alahli, Banque du Caire, AAIB, Bank of Alexandria, HSBC, Crédit Agricole, ADIB, Al Baraka, HDB, SAIB, Emirates NBD, Mashreq, ADCB, FABMISR, Arab Bank, aiBANK, Suez Canal Bank
• Wallets & fintech — InstaPay, Vodafone Cash, Orange Cash, e& Cash, WE Pay, Fawry, Telda, ValU, Meeza, Contact, MNT-Halan, Money Fellows, Sympl, Khazna, OPay, Aman, Kiwe, Premium Card
• UAE — Emirates NBD, ADCB, First Abu Dhabi Bank, Mashreq, Dubai Islamic Bank, ADIB
• Saudi Arabia — Al Rajhi, Saudi National Bank, Riyad Bank, Saudi Awwal Bank, Alinma, Bank Albilad, Arab National Bank, STC Pay
• Plus generic card, transfer and ATM alerts in many other countries

Masareef is an independent app, not affiliated with or endorsed by any bank or wallet named above, and it never asks for your banking password.

⌨️ ADD IN SECONDS

• Type it in plain words, English or Arabic: "spent 250 coffee" posts instantly
• A full add screen for expenses, income and transfers with categories, wallets, notes and any date
• Reply from the notification to log a transaction without opening the app

👛 WALLETS & MULTI-CURRENCY

• Cash, bank accounts and mobile wallets side by side, each with its own balance and history
• Pick any country and currency and the app adapts symbols, formatting and the banks it knows
• Net worth across every wallet, with a trend line for the last months

🎯 BUDGETS & PLANNING

• Per-category budgets with on-track, near-limit and over states at a glance
• A monthly spending target that tells you what is safe to spend today
• Cash flow shows whether your balance lasts until payday, not just month-end

🔁 SUBSCRIPTIONS & BILLS

• A subscription tracker that finds them in your history, with real brand logos and yearly cost
• Recurring rent, salary and bills post on schedule, with pause and skip

📈 INSIGHTS

• Where it went: a donut ranking every category; tap a slice for its transactions
• Trend of income vs. expense, this month vs. last, and your biggest movers
• Savings rate, financial health and the share of spending logged automatically

🔎 CATCH MISTAKES

• Double charges, refunds matched to the purchase they reversed, and charges above what a merchant normally costs you

✈️ TRIPS & 🏧 ATMS

• Track a trip in its own currency, and find cash machines near you on a map, sorted by distance

🔐 PRIVATE BY DEFAULT

• Transactions stay on your device and sync only to your own account
• Optional app lock with fingerprint or face, and hidden contents in the app switcher
• No ads, no data selling, and no financial data in analytics, ever

☁️ BACKUP & SYNC

• Sign in and your data is backed up privately, ready to restore on a new phone
• Offline-first: everything works with no connection and catches up later
• 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 fast, native feel.

💚 Masareef is a free expense tracker, spending tracker and budget planner. Start tracking in seconds.