Everything you own and owe
432,467EGP 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
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.
What Lightning does
See Everything. See What’s Next. See Why.
Everything you own and owe, the months ahead, and the reason behind every number.
The next three months
170,089EGP 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
Why it changed
42%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
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
215,657EGPBank accountCash wallet
10,564EGPCash on handVodafone Cash
2,455EGPMobile walletNBE certificate
100,000EGPThree-year depositTHNDR
48,996EGPShares and a fundGold at home
110,295EGPValued per gramMohab, our sample household, on 2026-10-04
Net Worth
What you own, less what you owe
- In your accounts487,967
- Held for familyIn your bank, but not yours−6,000
- What you own481,967
- What you oweThe car loan, and October’s rent due−49,500
- Net worth432,467
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, 2026-11-01
- Free cashYour cash, less reserves and bills due199,566
- Bills and loan paymentsBefore the next salary−4,460
- Budget left to spend−25,017
- Safe to spend170,089
Next 30 days
−28,460EGPSeven bills and loan payments, on their datesCar loan
2027-12-05Paid off then · 9 of 24 payments madeAhead in 2026-11
+6,981EGPExpected 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?
432,467EGPNet worth, up 287,067 EGP this year. Money you hold for others is left out.
- Savings rate 49.2%: 284,586 kept of 577,860 money in
- What you own, less the 49,500 you owe
Where Did It Go?
28,818EGPMoney out in 2026-09, 13,778 less than 2026-08.
- Housing & Rent is 42% of money out
- Each category against its usual range
Did I Stick to My Plan?
34,624EGPLeft in October’s plan: 3,410 spent of 38,034 planned.
- Every category against its plan, over plan first
- Of every 100 that came in this year, 49 stayed
Is My Money Working?
+14,841EGPNet gain this year, +12.9%, on a portfolio worth 250,401 EGP.
- 115,450 invested of 577,860 money in
- Certificates, gold, shares and a fund in one allocation
What Comes Out Every Month?
13,960EGPBills and subscriptions a month: 28% of income.
- The landlord, at 12,000, is the largest
- Subscriptions come to 7,080 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.
-
Upload Your Statements
Download a CSV from your bank or wallet and drop it in.
-
Make Small Adjustments
Rows are grouped by name, so you answer once per name. Nothing is saved until you say so.
-
Sit Down for Analysis
Five screens answer five questions. End with one change for next month.
Try it
What Is a Small Change Really Worth?
Pick what you could keep each month. See what it adds up to.
What Could You Keep Each Month Without Missing It?
EGP
Compared with a yearly return of
That’s like having
120,000EGPin the bank. At 20% a year, that pays you 2,000 EGP a month, without having the money first.
Kept in a year24,000 EGP
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.
Is Lightning ready to use?
Yes. It’s a beta, and it works with your real numbers today: import your statements, add your balances and use every screen. You may meet a rough edge; the release log lists what’s still open.
How do I start?
Download the Windows beta from Current Status, unzip it and open Lightning. Mohab’s sample year is there too, if you’d like to learn the steps before adding your own.
What will it cost?
Nothing to start, and nothing is ever locked. After seven days, Lightning asks now and then for a one-time payment. Pay when it’s worth it to you, and you own it forever.
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. We’re building one that syncs straight to your computer, with no server in between. Until then, add spending 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 money data never does. It 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, and wanted the full picture without hours in Excel. Read what we believe.
Early access
See Your Money Clearly. Then Decide What Happens Next.
Leave your email for early access and a note when each new build is out.
Study Your Patterns. Control Your Future.