Masareef: Expense Tracker

About Masareef: Expense Tracker

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

Most budgeting apps make you type in every purchase. Masareef reads your bank's payment alerts on your device and turns them into transactions by itself, even while the app is closed. Your money lives in a private database on your phone, works fully offline, and is never sent to any analytics service.

⚡ AUTOMATIC SPENDING CAPTURE

• Recognises payment alerts from a growing list of banks and wallets across many countries
• Reads card payments, transfers, top-ups, ATM withdrawals and incoming money, routed to the right wallet
• Keeps capturing while the app is closed, and an alert recovered later appears on its own
• Review a capture in one tap, or let high-confidence payments post automatically with undo
• Paste or share a bank message to log it; diagnostics shows what was read
• Auto-tracking stays off until you switch it on, and off again any time

⌨️ 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
• Edit or delete anything later, with instant undo

👛 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
• Count your cash reconciles the notes in your pocket in seconds
• Balance check compares your bank's own figure and shows the drift

🎯 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
• Optional alerts before a category tips over its limit
• Coming up lists everything scheduled in the next 30 days

🔁 SUBSCRIPTIONS & BILLS

• Subscriptions are detected from your history, with real brand logos and yearly cost
• Recurring rent, salary and bills post on schedule, with pause and skip
• Overdue and price-raised subscriptions get flagged, not left to drain you
• Planned one-off income or expense sits pending until you confirm it

📈 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
• Spending calendar heatmap, day-of-week and time-of-day patterns
• Savings rate, financial health and the share of spending logged automatically
• Price creep tracks your regular buys getting more expensive
• No-spend streaks, top merchants, and a shareable money story recap

🔎 CATCH MISTAKES

• Double charges: the same amount hitting the same merchant twice
• Refunds matched back to the purchase they reversed
• Unusual charges above what a merchant normally costs you

✈️ TRIPS & 🏧 ATMS

• Track a trip in its own currency without polluting your normal months
• Find cash machines around you on a map or list, sorted by distance, filtered by bank

🔐 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
• Location is used only when you open Nearby ATMs
• 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 Android feel.

💚 Masareef is a free expense tracker and budget planner. Create your account and start tracking in seconds.