Open Wio account statement
Account · Current Account
Every UAE bank and card in one place. Drop in any PDF statement — it lands in Masrofna automatically.
Start Free Trial →Drag the contribution slider — the headline updates instantly using compound profits at 5% annual.
Watch one line at a time appear. Duplicates auto-strikethrough. Categories auto-tag from your history.
Pages, accounts, actions, statements — all one keystroke away. Watch the demo type "wio" and jump straight to the account.
Ask anything in English or Arabic — Noor replies with numbers from your own data.
AI is included in every paid plan — and a longer billing cycle grants more credits each month. Tap a cycle.
Every contribution lights up the ring — and every milestone is celebrated.
Recurring income, bills, debts and goals projected forward — with the low point flagged.
Link a OneDrive or Google Drive folder once. New statements land there and import — fully categorized — with zero clicks.
Photograph any receipt — even a creased thermal print — and AI vision reads the vendor, amount, date and category.
Masrofna spots duplicates, due bills and overspending — and nudges you before they bite.
Every transaction sorts itself into a category — so one glance shows exactly where the month went.
Every account, goal and debt rolls up into one number — with a 6-month trend that shows it climbing.
A companion that watches your money for you — in the background — and speaks up the moment it spots a duplicate, a bill you already paid, or a budget that no longer matches reality. You never have to go looking.
AI · ALL PLANSTap any suggestion and land on exactly the transactions it found — not your whole ledger. Approve and it's done: the duplicate is removed, the bill is marked paid and rolled forward. Changed your mind? One-tap Undo. Nothing touches your money unless you say so.
AI · ALL PLANSOne place to set the rules: turn the pop-up notes, the voice, or the assistant itself on or off — or let Autopilot handle the safe stuff. Every action it ever proposes is kept in a full approvals log: approved, rejected or pending, with the details one tap away.
AI · ALL PLANSMasrofna quietly audits your budgets against what you actually spend, every month, and flags the ones that are way over — or barely touched — so your plan keeps up with real life. Tap to jump straight to the line that needs a look.
AI · ALL PLANSDrop any bank or credit-card PDF. Claude parses every line — transaction date, posting date, amount, currency, status — in 5–15 seconds. Bank-specific presets (Wio today; ENBD/DIB/Mashreq next) skip the AI entirely.
AI · ALL PLANSAsk questions, add transactions, set budgets, run reports — all by chat in English or Arabic. HD voice (ElevenLabs) optional. Daily Smart Brief surfaces anomalies + your one next-best action.
AI · ALL PLANSPhotograph any receipt — Claude vision extracts amount, date, vendor and suggests a category. Works on creased thermal prints, low-light photos, mixed-language receipts.
AI · ALL PLANSBind a OneDrive or Google Drive folder to an account. Drop a statement there → background sync downloads it, parses it, runs Smart Import, posts the new transactions. Zero clicks per month.
PROTrack every loan with Daily Actual/365 amortisation. Conventional and Islamic finance structures. Full payoff timeline.
PROFull-year income vs expense charts, category breakdowns, month-by-month trends, and savings rate analysis.
PRO6-pillar scoring system covering savings rate, debt load, emergency fund, investment ratio, and more.
PRO6-month forward projection based on your budget. Running balance chart shows exactly when you'll run short.
PRONative support for Murabaha, Ijara, Diminishing Musharaka, Tawarruq, and Salam — both for debt tracking and the loan calculator. Daily Actual/365 schedules.
PRORe-importing a slightly-updated statement only keeps the genuinely new lines. Duplicate detection by account + date ±1d + amount + fuzzy description. Auto-categorises from your history. One click does the rest.
FREE TIERThree sliders (monthly contribution · time horizon · annual return) drive a compound-profit forecast. Live chart compares your contributions vs. market growth. Lives on your dashboard, persists across refreshes.
FREE TIERPress Ctrl+K from anywhere. Type to navigate, add a transaction, jump to any account, open the AI Coach, or trigger Statement Import. Power-user speed; discoverable for everyone via the topbar 🔎 button.
FREE TIERToggle Transactions from spreadsheet to a day-grouped narrative. Each day card shows daily net + items; rows have category icons + sign-coloured amounts. Same filters, prettier surface.
FREE TIERSix rotating cards on the home screen: spending vs last month, bills due in 7 days, net-worth direction, savings rate vs the 20% benchmark, plus AI prompts. Each card is one click to the relevant page.
FREE TIERCross 100% on any savings goal? 60 colourful confetti pieces rain across the screen + a celebratory toast. Each goal celebrates exactly once. The small dose of delight that makes saving feel like winning.
FREE TIEROne bell, every signal. Bills due, statements pending review, overdue reminders — all merged into one badge. Hover for the breakdown; click jumps to whichever list is most urgent. Works across devices via cloud sync.
FREE TIERTick "make this recurring" once and the reminder auto-rolls every month. Saving an EMI auto-creates 12–60 monthly reminders. Click 💳 Pay on any reminder — the form opens pre-filled with the original's account + category. Confirm and done.
FREE TIERMonthly, annual, 5-year and 10-year budget views with category hierarchies, bulk CSV upload, and vs-actual tracking.
FREE TIERSet targets, choose contribution frequency, see the exact month you'll reach your goal. Auto-creates reminders.
FREE TIERIFRS-compliant balance sheet and trial balance. Current vs non-current liabilities split per IAS 1.69.
FREE TIER5 calculators — Personal, Mortgage, Car, Compare, and Savings Goal. Bidirectional field solver with lock buttons.
FREE TIERTrack every recurring payment. Smart reminders with starting date anchor and schedule preview for 3 occurrences.
FREE TIERTrack per-project P&L for trips, renovations, side hustles, freelance jobs — anything. Tag transactions, set a budget, see income vs spend at a glance. Rename anytime, history follows.
FREE TIERTrack every account and transaction in its native currency. AED is the base; USD, EUR, GBP, SAR, QAR included by default. Manual rates by design — your reports stay reproducible, not drifting daily.
FREE TIERYour data lives in your private Supabase row, isolated by Row-Level Security. Switch devices, clear your cache, sign in fresh — everything is right where you left it. Export a JSON backup anytime.
FREE TIERAdd #TripBerlin or #ClientAcme to any transaction — Masrofna auto-extracts and indexes them. Search by tag, click a chip in any row to filter, see totals respect the active filter.
Federal Decree Law No. 33 of 2021 implementation — 21 days/year for the first 5 years, 30 days after. Limited and Unlimited contracts both supported, with the right early-termination formula.
FREE TIERA project is just a name + a tag. Pick it from the Add Transaction form and the tag auto-injects. Existing transactions you've already tagged with #trip count automatically.
Each project card shows income, spend, net, budget progress, and date range. Click for a detail view with monthly trend table and the full transaction list — pre-filtered, exportable.
Set an optional project budget. Get a teal progress bar that goes red when you're over — perfect for renovation jobs, freelance scopes, or "I told myself I'd only spend AED 5,000 on this trip".
Change a project's tag and Masrofna rewrites every transaction's notes that referenced it — your historical data stays linked, no manual cleanup.
Lifecycle states keep your picker uncluttered. Closed projects stay browsable but disappear from the day-to-day Add Transaction dropdown. Archive when you're ready to forget about them.
Project accounting isn't gated behind Pro. We think every user should be able to track a holiday or a renovation without paying for it.
One click from where you are — no scrolling through a 200-page guide to find one answer.
Still stuck? Tap the Coach — ask in plain English or Arabic and get a step-by-step answer specific to your data.
The Help tab inside the app has a live search — type a word and jump straight to the matching topic, with screenshots.
Cost-plus fixed profit. Selling price back-calculates profit rate. Equal instalments, zero compounding.
Lease-to-own with daily Actual/365 rental schedule. Asset stays with bank until final payment.
Co-ownership with decreasing payments. Bank's rental income reduces as your equity grows.
Commodity Murabaha. Identical payment structure, widely used for UAE personal finance.
Zero-cost charitable loan. Equal principal instalments, zero profit. Permissible in Islam.
All calculations in AED. Multi-currency support with live rate conversion — USD, EUR, SAR, QAR and more.
Pre-built UAE bill categories. Smart reminders know when your DEWA bill is due even on a quarterly cycle.
UAE Federal Decree Law 33 of 2021. Calculates exactly what you're owed based on unlimited/limited contract and resignation vs termination.
Manage remittances, track savings in multiple currencies, plan repatriation funds — all in one place.
Desktop, tablet, mobile — fully responsive. No app download required. Access from any browser, any device.
AES-256 encryption at rest. TLS in transit. Row-level security locks your data to your own account.
14-day free trial on every paid plan. No credit card to start. AI is built in — there is no separate AI subscription, ever.
1 AI credit = one Coach question or one receipt scan · a voice playback uses 2 credits · a full statement import uses 3. Credits reset every month — no roll-over, no surprises.
Your transactions, budgets, debts, goals — everything moves to the cloud.
The actual math, with a worked example.
How to Budget a Salary in the UAEWithout a 14-category spreadsheet.
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How to Check Your AECB Credit ScoreAnd actually read it.
How to Check and Pay Traffic Fines in DubaiSearch the traffic file number, not the plate.
Track every dirham you spend, plan every goal, and see where your money is heading.
14-day trial · Cancel anytime · Your data stays yours
Excel models built by the finance manager behind Masrofna: budget and rent-cheque planner, debt payoff, end-of-service calculators for eight countries, a general ledger with VAT, and the margin, cash-flow and commission tools used to run a trading company. Formulas only, instant download.
UAE salary budget planner · debt payoff planner · from $9
End-of-service, by countryUAE · Saudi · Qatar · Kuwait · Oman · Bahrain · India · UK · from $5
Finance manager toolkitMargin analyzer · ledger & VAT · 13-week cash forecast · commission tracker
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