Masrofi — Budget & Expenses 앱 분석 (10월 21일)

Masrofi — the private, AI-powered money tracker. Wondering where your salary goes every month? Masrofi helps you track expenses, manage budgets, and hit savings goals — with zero accounts, zero cloud uploads, and AI that runs entirely on your iPhone. ASK MASROFI — ON-DEVICE AI (iOS 26+) Ask in plain English or Arabic: "How much did I spend on restaurants?" "How close am I to my travel goal?" "What bills are due this month?" Answered instantly from your actual data. No internet required. Nothing leaves your device. PRIVACY FIRST — FOR REAL No account. No sign-up. No data collection — check our App Privacy label: we collect nothing. All AI, receipt scanning, and text processing happens on-device. SAVINGS GOALS Set a target, track progress, and see exactly how much is saved vs. remaining — with optional due dates. NET WORTH See your complete financial picture in one view — assets, liabilities, and a 6-month trend across all your accounts. BILLS CENTER Every recurring expense and upcoming bill in one place, sorted by next due date with monthly totals. JAMEYA — ROTATING SAVINGS GROUPS Run your money circle (jameya / susu / tanda) right inside Masrofi. Create the group, assign turns, share with members via iCloud link, and always know whose turn it is and when your payout month arrives. ZAKAT CALCULATOR — FREE FOR EVERY MUSLIM Nisab linked to live gold prices. Pull assets from your accounts or enter them manually. Works in any currency. TRACK EXPENSES & INCOME Fast daily logging by account and category. A clear dashboard shows balance, income, spending, and monthly net. MULTIPLE ACCOUNTS & CURRENCIES Cash, bank, card, or business accounts — 29 currencies with automatic conversion. Perfect if you manage money in USD and send or track funds back home. RECEIPT SCANNER & SMART CATEGORIES Photograph a receipt for instant extraction. On-device learning suggests the right category over time. BUDGETS, ALERTS & FORECASTS Category budgets with alerts at 80% and 100%. Spending trends and next-month forecasts. WIDGETS · SIRI · SPOTLIGHT Balance and quick-add from your home screen. Ask Siri about your spending. Find any transaction from iOS Search. BUSINESS TOOLS (Business Plan) Invoices, clients, PDF export, profit & loss, cash flow, and tax reports. ZATCA-compliant QR codes on every Saudi invoice PDF. IRS TAX MODE (US) Enable IRS Schedule C tracking, add standard deductible categories, and get a self-employment tax estimate in your Tax Summary report. BANK SMS IMPORT & AUTO-SAVE (Gulf banks) Paste a bank SMS and Masrofi extracts the amount, merchant, date, and account automatically. Or set up a one-time Apple Shortcuts automation to save bank SMS transactions with no taps at all. Supports Al Rajhi, SNB, Alinma, Riyad Bank, STC Pay, AlBilad, SABB, Banque Saudi Fransi, ANB, and Bank AlJazira. PLANS Free: 3 accounts, 20 categories, 3 months of history, 1 budget, 3 goals, Zakat calculator Premium: Unlimited everything, full history, forecasts, CSV export, iCloud sync, Ask Masrofi, SMS auto-save Business: Premium + invoicing, reports, PDF export, business identity, tax reports Face ID / Touch ID app lock · iCloud sync · Home & Lock Screen widgets Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/