LightningEverything you own and owe
198,065EGP net worth
- Banks, wallets and cash at home
- Shares, funds and gold by the gram
- Certificates with their interest
- Loans, and money you hold for family
Most appsthe accounts they can connect to
Personal finance, made for Egypt
All Your Money. One Clear Picture.
Everything you own and owe, counted in EGP. Then where it’s heading for the next three months.
Beyond tracking
Most Apps Tell You What Happened. Lightning Tells You What’s Next.
Three things you don’t get from an app that only sorts transactions.
The next three months
71,354EGP safe to spend
- Safe to spend until payday
- Every bill and loan payment ahead
- Your cash, month by month, forecast
- The lowest point before it happens
Most appsyour balance today
Why it changed
51%of money out is rent
- Each category against your usual month
- Spent against your plan
- Investment gains split by source
- Every figure shows what it’s made of
Most appsa chart of last month
Everything you own and owe
Your Money Is in Six Places. Lightning Counts It as One.
Each app sees one corner. Lightning adds them up in EGP, without what isn’t yours.
CIB Payroll
68,893EGPBank accountCash wallet
10,220EGPCash on handVodafone Cash
3,150EGPMobile walletNBE certificate
100,000EGPThree-year depositTHNDR
21,108EGPShares and a fundGold at home
57,195EGPValued per gramMohab, our sample household, on 2026-09-30
Net Worth
What you own, less what you owe
- In your accounts260,565
- Held for familyIn your bank, but not yours−10,000
- What you own250,565
- Left on the car loan−52,500
- Net worth198,065
The next three months
See Your Next Three Months Before You Live Them.
Your bills, loan payments and salary are already in the plan.
Safe to Spend
Until the next salary, 2026-10-01
- Free cashYour cash, less money held for family72,663
- Budget left to spend−1,309
- Safe to spend71,354
Next 30 days
−15,980EGPFive bills and loan payments, on their datesCar loan
2028-06-05Paid off then · 3 of 24 payments madeAhead in 2026-11
+21,830EGPExpected money in, less money outAnalysis
Every Screen Answers One Question
Real screens from the app, with Mohab’s sample household. Pick a question.
Where Do I Stand?
198,065EGPNet worth, up 29,116 EGP in 2026-09. Money you hold for others is left out.
- Savings rate 50.1%: 23,444 kept of 46,833 money in
- What you own, less the 52,500 you owe
Where Did It Go?
23,390EGPMoney out in 2026-09, 1,364 less than 2026-08.
- Housing & Rent is 51% of money out
- Each big category against the two months before
Did I Stick to My Plan?
1,309EGPLeft in plan: 23,390 spent of 24,698 planned.
- Two categories over plan, shown first
- Of every 100 that came in, 50 stayed
Is My Money Working?
+5,673EGPNet gain in 2026-09, on holdings worth 177,903 EGP.
- 18,450 invested of 46,833 money in
- Certificates, gold, shares and a fund in one allocation
What Comes Out Every Month?
13,480EGPBills and subscriptions a month: 30% of income.
- The landlord, at 12,000, is the largest
- Subscriptions come to 4,200 a year
Does the tedious part
Smart Where It Saves You Time. Yours Where It Matters.
Lightning does the matching and the maths. You confirm, so nothing changes behind your back.
Bills Find Their Payments
Pay the landlord 12,000 and the bill due on the 3rd is settled. An early or different amount is suggested, never assumed.
Repeats Are Spotted for You
Six months of history show what comes back every month. One click turns it into a tracked bill.
One Balance Checks an Account
Type what your bank shows. A small gap becomes one adjustment; a big one is reviewed row by row.
Imports Ask Once per Name
43 statement rows, 17 questions. Every Talabat order is sorted with one answer.
How it works
Thirty Minutes. Once a Month.
Upload, check, then sit down with your numbers.
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Upload Your Statements
Download a CSV from your bank or wallet and drop it in.
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Make Small Adjustments
Rows are grouped by name, so you answer once per name. Nothing is saved until you say so.
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Sit Down for Analysis
Five screens answer five questions. End with one change for next month.
Private by design
Your Money. Your Data.
No bank logins and no cloud account. Your numbers stay on your computer.
It Stays with You
Lightning runs on your computer, not on someone else’s server.
Locked with Your Password
Each profile is encrypted and opens only with your password.
You Confirm Every Import
Statement rows wait for your review. Nothing is saved until you say so.
No Mystery Numbers
Every key number shows what it is made of, and estimates say so.
Good questions
Questions, Answered
What Lightning does today, and what it doesn’t yet.
Can I try it today?
Yes, with sample data. Current Status has the Windows beta and Mohab’s sample files. Please don’t import a real bank statement yet.
Which computers does it run on?
Windows. The beta is a ZIP: unzip it and open Lightning. Other systems come later.
Is there a phone app?
Not yet. Add spending as you go on your computer, or import your bank’s CSV at the end of the month.
Does it connect to my bank?
No. Lightning never asks for bank logins. Download a CSV from any bank or wallet, match its columns once, and review every row before it’s saved.
What goes online?
Your data stays in an encrypted profile on your computer. The only thing Lightning looks up online is the latest price of listed shares, by ticker symbol.
Who is building Lightning, and why?
Someone from finance in Egypt who has logged every pound since graduating. Excel took too long and budgeting apps missed the full picture, so Lightning does both. Read what we believe.
Early access
See Your Money Clearly. Then Decide What Happens Next.
Leave your email and we’ll tell you when Lightning is ready for your own numbers.
Have five minutes? Take the survey and tell us what you need.