Best expense tracker apps in Egypt in 2026: seven apps and a spreadsheet, compared

Short version: there is no single best expense tracker for Egypt. The right one depends on how you pay (cash or card), whether you would rather type or talk, and whether the budget is shared with someone at home. This page compares seven apps and a plain spreadsheet on facts you can check yourself.

Before you read: we make Flosyfeen, one of the apps below. So we don't give anyone a score out of five. Every fact about another app comes from its own store listing or website, checked on 3 October 2026 and linked in the Sources at the end. Where Flosyfeen is the weaker choice, we say so.

The short answer

• You want to say what you spent in Egyptian Arabic, with nothing to install: Flosyfeen.
• You pay mostly by card and want bank messages logged for you: Say (on Android) or Masareefy.
• You want one budget shared with someone at home: Say, Masareefy's Family plan, Wallet Premium or YNAB.
• You want a free Arabic app on Android that you type into: Al-Masareef (المصاريف).
• You deal in more than one currency: Money Lover or Wallet.
• You want a full budgeting method, read English comfortably and can pay in dollars: YNAB.
• You want total control at no cost: Excel or Google Sheets.

What matters when you pick an app in Egypt

Most "best budget app" lists are written for countries where the app connects to your bank account and fills itself in. That doesn't apply here: none of the apps on this page lists a direct connection to an Egyptian bank, and YNAB says outright that it doesn't support banks outside the US, Canada, the UK and parts of Europe. So in Egypt an expense reaches the app in one of three ways: you type it, you say it, or the app reads the bank's SMS.

That leaves five questions worth asking before you choose:

1. How do expenses get in: typing, voice, or bank SMS? Cash never sends an SMS, so cash always has to be typed or said.
2. Is the app in Arabic, and does voice understand the way Egyptians actually talk?
3. Can two people share one budget?
4. Does it need installing from a store, and on which phone?
5. What does it cost in pounds, and what do you get for free?

The apps side by side

Flosyfeen

What it is: a web app built for Egypt. You open flosyfeen.com, say or type what you spent in Egyptian Arabic or English, and it files the amount, the category and the date. It also has a monthly budget with a limit per category, reminders for recurring bills, and daily, weekly, monthly and yearly views of your spending.

Good to know: you can try it without an account, and it never asks for bank details or permission to read your messages.

Where it falls short: it doesn't read bank SMS, so a card payment is logged the same way as cash, by you. An account is for one person; there is no shared household budget today. There is no App Store or Google Play app; it runs in the browser and you can add it to your home screen. And the free allowance is 40 typed expenses and 20 voice notes that an account gets once, not every month; after that you pick a paid plan or invite someone and get a bonus.

Best for: someone who spends mostly in cash and wants logging to take one sentence.

Say

What it is: an Android and iPhone app from a developer in Cairo. You log by voice in Arabic or English, and on Android it reads bank SMS and logs card payments on its own. Its terms describe a Household feature for sharing budgets with other people. On Google Play it shows more than 50,000 downloads and a 4.9 rating.

Where it falls short: the App Store lists English as the app's only language, so check the interface suits you before paying. SMS tracking is described as an Android feature. Its price is written differently in different parts of its listings, so go by the price your own store shows.

Best for: card users on Android who want payments logged without doing anything.

Masareefy (مصاريفي)

What it is: an Android and iPhone app from a developer in Cairo, in Arabic and English. Its listing says you can speak naturally in Egyptian Arabic, and that on iPhone it imports bank SMS and Apple Pay payments. Manual logging is free and unlimited; voice has a monthly allowance on the free plan. There is a Family plan for a shared household budget.

Where it falls short: it is new. When we checked, Google Play showed 50+ downloads and the App Store 14 ratings, so there is little track record to judge it by yet.

Best for: two people who want Egyptian Arabic voice, SMS import and a shared budget in one app, and don't mind being early.

Al-Masareef (المصاريف)

What it is: the long-established Arabic expense app on Android, from a developer in Giza. More than a million downloads, a 4.6 rating from 32 thousand reviews, on Google Play since 2018 and still being updated. Entry is manual. It covers several wallets, more than 50 categories, debts and instalments, recurring entries, Google Drive backup and Excel export.

Where it falls short: its listing mentions no voice logging and no SMS reading. The free version carries ads. We found no iPhone version from the same developer.

Best for: Android users who want a free, familiar Arabic ledger and don't mind typing.

Money Lover

What it is: an app from Vietnam with more than 5 million downloads on Google Play. Its interface includes Arabic, it supports every currency with up-to-date exchange rates, and it has shared wallets.

Where it falls short: its bank-linking service names South-East Asian countries, not Egypt, so here it is an app you type into. The free version has ads. Its Google Play rating is 3.9.

Best for: people who earn or spend in more than one currency.

Wallet by BudgetBakers

What it is: a Czech app on Android, iPhone and the web. Its interface includes Arabic, manual tracking is free, and sharing with family comes with Premium. More than 10 million downloads and a 4.8 rating on Google Play.

Where it falls short: bank sync is a Premium feature and its site doesn't say whether Egyptian banks are covered, so ask before paying for that. No voice logging is listed.

Best for: people who want detailed reports and a version they can open on a laptop.

YNAB

What it is: an American app built around one strict method: every pound gets a job before you spend it. One subscription can be shared by up to six people.

Where it falls short in Egypt: no Arabic. No bank connection outside the US, Canada, the UK and parts of Europe, so everything is typed. No free version after the 34-day trial. It costs $14.99 a month or $109 a year.

Best for: comfortable English readers who want the method itself and are willing to pay for it.

Excel or Google Sheets

What it is: a sheet you design yourself. Free, private, as flexible as you like, and easy to share with someone at home.

Where it falls short: every expense is typed by hand, usually later, at a laptop. Nothing reminds you, and nothing warns you when you get close to a limit. If you go this way, start with a monthly household budget from scratch.

Best for: people who already live in spreadsheets.

So which one should you pick?

Pick by how money leaves your hands. If most of it is cash — the market, the kiosk, transport — no app can see it on its own, so the best one is whichever makes logging quickest for you: voice in Flosyfeen or Masareefy, or quick typing in Al-Masareef. If most of it is card, an SMS-reading app such as Say will catch payments you would have forgotten.

Whichever you choose, use it properly for two weeks before paying for anything. An app you still open after two weeks beats a stronger app you gave up on.

Several new expense apps made for Egypt appeared in 2026, among them Qersh and MoneyMore. We will add them to this comparison once they have a longer track record.

Frequently asked questions