masroufi.org

What It Is

Masroufi is a budgeting app for individuals and freelancers, centered on “controlling salary, splitting expenses, tracking debts, and managing projects.” Based on the product description, it is not traditional enterprise software, but rather a personal finance SaaS/mobile app. It is available on Google Play and supports three languages: FR/AR/EN.

Core Features

The core of the product is its Dashboard and envelope-style Wallet system: users can view income, fixed expenses, wallet allocation, and remaining disposable funds, called Free Flow. Each wallet can have a budget limit, show progress, and roll unspent amounts into the next month. The SOS feature allows temporary borrowing between wallets, helping users avoid overspending. The debt module covers bank loans, borrowing from friends, repayment deadlines, monthly impact, and due-date reminders. Another notable feature is built-in freelance management, where users can manage projects, clients, tasks, budgets, and payments, then allocate profits into personal wallets.

Pricing and Access

The page clearly states that budgeting, wallets, and debt tracking are 100% free. The WhatsApp Bot is part of Premium and requires a subscription to cover infrastructure costs. It mentions monthly subscriptions, cancellation, and annual activation, but does not disclose specific pricing or payment methods. The Bot can be used through WhatsApp to log items like “20 lunch,” check balances, confirm bills, and works with WhatsApp on iOS, Android, and desktop.

Pros and Cons

The main advantages are its detailed coverage of personal cash-flow scenarios, especially salary allocation, debt, informal lending, and side-income collection. Core features are free, and WhatsApp-based interaction lowers the barrier to logging expenses. The downsides are the lack of information on enterprise-grade collaboration, permissions, SSO, auditing, and APIs. On security, it only mentions encryption, not selling data, and cloud backup, with no visible compliance certifications. Platform-wise, Google Play is clearly confirmed, but information about a native iOS app is limited.

Who It’s For and Access from China

Masroufi is suitable for individual users, international students/overseas workers, freelancers, and people who want quick expense tracking through WhatsApp. It is less suitable for corporate finance, team reimbursement, or complex accounting use cases. The text provides no evidence about access from China, and WhatsApp is generally not directly and reliably accessible in mainland China, so actual usability may depend on the user’s network environment. Alternatives include YNAB, Spendee, Wallet, 随手记, 鲨鱼记账, and others.