Masarif

Masarif is a private money tracker for everyday life: what you earn and spend, what you own, what you owe, and the money you look after for other people. Your records are stored on your phone. There is no sign-up and there are no ads. SEE YOUR MONTH AT A GLANCE • Total balance, income, spending and savings for any month • Add an expense in seconds by typing or by voice • Break a bill into items, and tag it with your own categories • Set up recurring entries for salary, rent and bills BUDGETS THAT ROLL UP • Create daily, weekly or monthly budgets • Split a budget into smaller ones, such as Household into Rent, Groceries and Utilities • Watch each bar fill as you spend, and get an alert when a budget is running out INSIGHTS • Compare six months of income and spending • See spending by budget • Filter and search every transaction ACCOUNTS • Track cash, bank accounts and mobile wallets side by side • Move money between accounts without it counting as income or spending • Mark an account as savings and see how much you put away WEALTH AND ZAKAT • Record gold and silver by weight, provident fund, mutual funds and your own asset types • Get a Zakat estimate based on your records, with a calculation you can check and edit • The estimate is a guide only. Please confirm with a qualified scholar. LOANS BETWEEN PEOPLE • Record what you lent and what you borrowed, with due dates • Log part repayments and see the full history • Send a WhatsApp reminder in one tap MONEY YOU HOLD FOR OTHERS • Keep a separate ledger for a parent's pension, a charity collection or a shared gift • It never mixes with your own income, spending or budgets • Share a PDF statement, or send it to a Google Sheet RENT AND SALARIES • Make a list of tenants you collect from or staff you pay • Tick people off each month and see who is still pending • Record part payments and share a PDF of the month PRIVATE BY DESIGN • Lock the app with a passcode or your fingerprint • Create an encrypted backup and restore it when you change phones • Export your records whenever you like • Nothing leaves your phone unless you choose to share it MADE FOR YOU • English, Urdu and Roman Urdu • Light and dark themes • Choose your currency Masarif is a personal record-keeping tool. It does not provide loans, banking or investment services, and it does not connect to your bank.