Your everyday money, clearly.

Know your spending.
Plan what comes next.

Spending, budgets and bills in one private ledger. No bank login needed.

iPhoneJoin TestFlight AndroidDownload APK

Public beta builds · Android installs outside Google Play

Available in English and Arabic.

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Illustration · sample data · automatic capture depends on your bank’s alert format

Live capture

From bank alert to ledger, on your phone.

Each platform allows something different, so Wafra uses a different route on each. Both end in the same encrypted ledger, and neither route needs a bank login.

iPhone
Bank texts from senders you choose
1. 01
  A bank text arrivesOnly from a bank sender you selected in Apple Shortcuts.
2. 02
  Shortcuts hands it overA personal automation passes it to Wafra Local Capture on the same iPhone. There is no network step.
3. 03
  Read on the iPhoneThe parser keeps the amount, merchant and date. Codes and promotions are dropped, and the raw text is deleted.
4. 04
  In your ledgerWhen iOS next lets Wafra run, or as soon as you open it.
Android
Bank SMS and bank-app alerts
1. 01
  An alert arrivesA bank SMS, or an optional bank-app notification.
2. 02
  Read on the deviceOnly with the access you grant. Messages that are not financial are ignored.
3. 03
  Sorted and savedAdded to the encrypted ledger, or held for your review when Wafra is not sure.
Past months
Both platforms
1. 01
  Import a statementA PDF or CSV from your bank fills in what happened before you installed Wafra.
2. 02
  Or add it by handManual entry works in every country, with or without alerts.

Automatic categories

Messy in.
Meaningful out.

Bank alerts name merchants in shorthand. Wafra trims the terminal codes, finds the merchant and gives the charge a category. It knows merchant words in English, Arabic and several other languages.

Refunds, card payments and transfers between your own accounts stay out of spending.
When the merchant alone cannot tell, Wafra leaves the charge for you instead of guessing.

POS 4821 CARREFOUR MKT 0231CarrefourGroceries
UBER *TRIP HELP.UBER.COMUberTransport
STARBUCKS #1182 DUBAI MALLStarbucksDining
NETFLIX.COM 866-579-7172NetflixEntertainment
REFUND AMAZON MKTPLACEAmazonRefund · not spending

AL NOOR LDRY 22OtherHome services

Tell it once. Change a merchant’s category and its next charges follow your choice.

Subscriptions and bills

See every renewal before it lands.

Wafra spots charges that repeat, learns their rhythm and shows when the next one is due. Price rises and services that have gone quiet are flagged.

NetflixMonthly · renews in 3 days
Subscription$15.49
SpotifyMonthly · was $10.99
Price went up$11.99
ElectricityUtilities · due in 9 days
Bill≈ $84.20
Visa ••4821 statementCard · due in 18 days
Card due$1,240.00
City GymNo charge for two months
Likely stopped$39.00

Subscriptions$27.48 / month

Utilities, rent and card statements are counted apart, so this is only what you could cancel.

A closer look

Less clutter. More clarity.

Three focused views for your everyday money. Actual app screens with sample data.

Wafra Home: today's spending, what is left in budgets, the month's spent, in and net, the last seven days and the next payment; sample data — Home
Today’s spending and what’s left in your budgets first. Then the month’s in and out, the last seven days and the next payments.

Wafra Spending: the month's total, a row of coloured category coins sized by share, each category's amount and share, then the category rows; sample data — Spending
Every category as its own coloured coin, sized by the category’s share of total spending. Budget usage is labelled separately.

Wafra Bills: the total due in the next 30 days, a dated row of payment logos, then subscriptions with renewal dates and estimates; sample data — Bills
Subscriptions and utilities in separate sections. Dates and estimated charges stay visible.

The daily picture

Make sense of the details.

See what you have spent, what is due and how your categories are tracking.

See what you spent

Review recorded spending with income alongside it. Follow a calendar month or a reporting period that starts on your salary day.

See what is coming

Keep bills, card statements and recurring charges together, with due dates that do not disappear into a feed.

Catch drift early

Set category budgets and read spending pace before a small change becomes an end-of-month surprise.

Private by design

Your ledger.
No bank login.

Wafra has no sign-up and no advertising. Your main ledger is encrypted on your device. Manual tracking works wherever you live; supported bank-alert imports are optional and platform-specific.

Android
Supported bank SMS and optional bank-app notifications are processed on the device when you enable access. Availability varies by bank and country.
iPhone
Wafra cannot read the Messages inbox. Optional automatic capture runs only for bank senders the user selects, then processes supported bank alerts locally on this iPhone. This path does not upload their text.
Manual-only
Leave automatic Message capture off and use manual entry or user-initiated imports instead.

Plain answers

Before you trust a money app.

Does Wafra connect to my bank account?

No. There is no bank login. Start manually, paste an alert you choose, or enable an optional supported import method on your device.

Does Wafra read every message on my phone?

No. Android message access is optional and only used after you choose supported alert imports. iPhone does not expose the Messages inbox to Wafra; optional capture runs only for bank senders the user selects, then processes supported bank alerts locally on the iPhone. This path does not upload Message text.

Can I use Wafra anywhere?

Yes. Manual budgeting and expense tracking work anywhere. Automatic bank-alert imports vary by bank, country and message format, so manual entry remains available when an alert is not supported.

From bank alert to ledger, on your phone.

iPhone

Android

Past months

Messy in.Meaningful out.

See every renewal before it lands.

Less clutter. More clarity.

Home

Spending

Bills