Masareef is a private, offline-first 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 reads your bank's SMS and payment alerts on your device and turns them into transactions by itself, even while the app is closed. It never asks for your banking password.

Automatic capture of card payments, transfers, wallet top-ups, ATM withdrawals and incoming money, each routed to the right wallet. Recognises alerts from 130 banks, wallets and fintech apps across Egypt, the Gulf and worldwide, including Wise, PayPal, Revolut and Payoneer.

Wallets and multi-currency: pick any country and currency and the app adapts. Budgets, a monthly target, and cash flow that tells you whether your balance lasts until payday. Subscription tracking, recurring bills, and duplicate-charge detection. Insights: category breakdown, trends, savings rate and financial health. Optional app lock with fingerprint or face, CSV export, private sync and backup.

Masareef is an independent app, not affiliated with or endorsed by any bank. Free, with a Pro tier for unlimited automatic captures. Light and dark themes, full Arabic with right-to-left layout.