Masareef: Auto Expense Tracker
Budget & wallets from bank SMS
Free · In‑App Purchases · Designed for iPad
Masareef on your Home Screen and Lock Screen, Siri in Arabic and English, and bank messages that file themselves even while the app is closed.
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 own SMS alerts into transactions. Set it up once and your spending files itself, even while the app is closed. Everything stays private on your phone, works offline, and never reaches an analytics service.
AUTOMATIC SPENDING CAPTURE
• A guided one-time setup builds the Shortcuts automation for you, step by step
• After that, bank messages become transactions on their own, and a banner says what was captured
• Card payments, transfers, wallet top-ups, ATM withdrawals and incoming money, routed to the right wallet
• Or share any bank message to Masareef from the share sheet — one tap
• Review before it posts, 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 413 banks, wallets and payment apps worldwide, 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
• Worldwide — HDFC, Paytm, GCash, M-PESA, Revolut, Wise, Barclays, Chase, Nubank
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
• Or say it: hold the + and speak, Arabic or English
• A full add screen for expenses, income and transfers with categories, wallets, notes and dates
WIDGET & SIRI
• A Home and Lock Screen widget shows today and this month against your target
• "Log an expense in Masareef" and "How much did I spend today" work from Siri and Spotlight
WALLETS & MULTI-CURRENCY
• Cash, bank accounts and mobile wallets side by side, each with its own balance
• 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
BUDGETS & PLANNING
• Per-category budgets with on-track, near-limit and over states
• A monthly target that says what is safe to spend today
• Cash flow shows whether your balance lasts until payday
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 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 logged automatically
CATCH MISTAKES
• Double charges, refunds matched to the purchase they reversed, and charges above a merchant's usual price
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
• Optional app lock with Face ID or Touch ID, and a hidden app switcher preview
• No ads, no data selling, and no financial data in analytics, ever
BACKUP & SYNC
• Sign in and your data is backed up privately, ready for a new phone
• Offline-first: 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 right-to-left layout, and a fast, native feel.
Masareef is a free expense tracker, budget planner and money manager with automatic bank SMS capture. Start tracking in seconds.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://vette1123.github.io/masareef-privacy/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Masareef on your Home Screen. A widget shows what you spent today and this month, with a bar against your monthly target and a + that opens the composer. It comes in small and medium, and in the Lock Screen sizes: the circular ring, the rectangle and the one-line inline. It follows Hide balances, so a masked app is a masked widget. Tap it to open Masareef.
Siri and Shortcuts. "Log an expense in Masareef", "Say an expense in Masareef", "How much did I spend today in Masareef" and "Review captures in Masareef" work in English and Arabic, from Siri, Spotlight and the Shortcuts app. Spent today answers out loud without opening the app.
Auto-capture on iPhone, hardened. The Shortcuts action no longer asks "Allow to output" the first time it runs from an automation, a prompt that could swallow a capture on a locked phone. Captures made while the app was closed post the moment you come back. The setup screen asks for notification permission at the right moment and shows a repair card if you denied it.
Voice hears both your languages. Say it in Arabic or in English with no picker to set first. The mic records once, reads it twice, and the better reading wins. Spoken amounts land right: "four hundred and fifty" is 450, not 50. A short chime and a tap tell you the mic is live. Hold the + in the tab bar and the composer opens already listening, and there is a mic in the Home and Activity headers too. Say "spent 250 coffee" and the amount, category and wallet fill in. Nothing is saved until you confirm.
Debts carry a rate. Add the yearly interest on what you owe, and when two debts fall due on the same day the planner funds the one that charges interest first.
Zakat offers today's spot. Under the price-per-gram field, one tap fills in the world price for gold or silver in your currency. Your own market's price still wins; this is a starting point.
Smoother and steadier. A tab you left mid-load no longer keeps animating in the background or holds back the screen you are looking at. Scrolling on Add and the Home strips costs less. A crash that could follow a language switch is fixed. The app icon is redrawn crisp at every size, and the launch now dissolves from the splash onto your dashboard instead of cutting, on iPhone and iPad.
Also: How it works now covers voice, split bills, installments, returns and warranties, net worth, bulk edit, the bill calendar, payday and the year pack. Activity shows an edit or a delete as soon as you confirm it. Settings lands first and its sections fade in after it. Pages opened from a list no longer start blank at the top.
The developer, Mohamed Gado, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Mohamed Gado
- Size
- 90.3 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English and Arabic
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Pro Lifetime: Expense Tracker $99.99
- Pro Yearly: Expense Tracker $29.99
- Pro Monthly: Expense Tracker $4.99
- Copyright
- © 2026 Mohamed Gado
