Powered by AI
Give Every Dollar a Purpose, Just by Sending a Text.
Everything you need to manage your money smartly—all fully functional right now.
The "Chat-to-Track" Engine
You don't need to open an app, navigate menus, or fill out forms. When you spend money, just open WhatsApp and type or say, "Groceries 150." Masarif's AI understands the context, categorizes it perfectly, and updates your budget in real-time.
WhatsApp AIZero Friction
The "Guilt-Free" Spending Dashboard
Behind the simple chat interface is a powerhouse web application. Log into your Masarif dashboard to see beautiful charts showing exactly where your money went this month. No missing receipts, no forgotten expenses.
Live ChartsWeb App
The "Runway" Predictor
Stop doing mental math at the end of the month. Masarif tracks your daily burn rate and instantly calculates your financial "Runway"—telling you exactly how many days of spending you have left before your next paycheck.
Burn RateDepletion Date
Smart Debt & Loan Memory
Did you lend money to a friend or split a dinner bill? Just chat to Masarif: "Adam owes me 200 for dinner." The app logs the pending debt and keeps it tracked securely until it is settled.
Borrowed / LentAuto-Settlement
Envelope System (Rollover)
Budgets accumulate across months. Didn't spend your entire budget this month? It automatically rolls over to the next month.
Cumulative BudgetMonthly Limits
Multiple Wallets & Savings
Manage separate wallets for cash and bank accounts, with dedicated support for savings accounts that are excluded from daily liquidity calculations.
Standard WalletSavings Wallet
Automated Recurring Bills
Log your monthly bills once. The app will remind you before the due date and update your balance instantly upon payment.
Early RemindersAuto-Renew
Categories & Subcategories
Create your own categories with specific monthly spending limits. Use subcategories for even deeper tracking details.
Category BudgetsCustom Tags
Itemized Receipts
Add individual product details for any expense—name, price, and quantity. You can also attach photos of physical receipts.
Product DetailsReceipt Images
Charts & Reports
Interactive Chart.js visualizations covering daily/monthly spending trends, category distributions, and top expenses.
Chart.jsData Analysis
Import from Excel / CSV
Copy and paste your spreadsheet directly, or upload a CSV file. Includes smart processing to map dates and categories.
CSV / ExcelSmart Mapping
Visual Financial Calendar
View all your transactions on a monthly calendar grid—expenses, incomes, and bills color-coded by category.
Monthly ViewAdvanced Filters