Lightning
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Free personal finance for Egypt

All Your Money. On Your Phone and PC.

Record the day on your phone, bank SMS included. Your PC picks it up over your own Wi-Fi and shows everything you own and owe, in EGP. No bank login, no server.

Get early access See how it works

Free to use. No card, no account.

Phone and PC, connected

One Ledger. Two Screens. Always in Step.

Your phone holds the ledger. Your PC borrows it when you sit down, then hands it back. They talk straight to each other over your own Wi-Fi, encrypted, with no server in between.

On the PC: Borrowed from Mohab’s phone · Hand back
On the phone: Lent to Office PC · read only

The PC has the ledger. Your phone can read it.

Same ledger, same figures: +287,067 this year on bothOne edits, the other readsYour money never touches a server

Everything you own and owe

Your Money Is in Six Places. Lightning Counts It as One.

Mohab keeps money in a bank, a wallet, cash at home, a certificate, THNDR and gold. Lightning adds it up in EGP, and leaves out what isn’t his.

CIB Payroll
215,657EGPBank account
Cash wallet
10,564EGPCash on hand
Vodafone Cash
2,455EGPMobile wallet
NBE certificate
100,000EGPThree-year deposit
THNDR
48,996EGPShares and a fund
Gold at home
110,295EGPValued by weight

Mohab, our sample household, on 2026-10-04

Net Worth

What you own, less what you owe

432,467EGP
  1. In your accountsThe six places, in EGP487,967
  2. Held for familyIn your bank, but not yours−6,000
  3. What you own481,967
  4. What you oweThe car loan, and October’s rent due−49,500
  5. Net worth432,467

How they stay in step

Pair Once. Then It Follows You.

No account to make and nothing to upload. Your phone and your PC trust each other, and only each other.

  1. Pair Once

    Once

    Your phone shows a code; type it on your PC. Both screens then show the same six digits, such as 370 548, so you know it’s your phone.

  2. Borrow It

    Any time

    Open it on your PC with the same password as on your phone. It arrives with every edit you made on the go, and your phone reads while you work.

  3. Hand It Back

    On close

    Close Lightning near your phone and the ledger goes home. Away from it, your edits are sealed and wait for the next meeting.

On your phone

The Whole Picture, in Your Pocket.

The same figures as on your PC, in a layout made for the phone. Tap + to add spending wherever you are.

Overview, year to date
An account, day by day
Cash planning

Numbers you can trust

Every Number Shows Its Working.

Three of Mohab’s numbers, each with its working and the screen it comes from.

Safe to Spend

Until the next salary, 2026-11-01

178,423EGP
  1. Free cashYour cash, less reserves and bills due219,566
  2. Bills and loan paymentsBefore the next salary−4,460
  3. Budget left to spendWhat this month’s plan still allows−25,017
  4. Emergency fund top-upThis month’s share of rebuilding it−11,667
  5. Safe to spend178,423
The same figure on Mohab’s Cash planning screen

Safe to spend

Watch Your Cash Before It Moves.

Salary, bills, loan payments and your emergency fund top-up are already in the plan.

165,937EGP
Cash at its lowest month end, 2026-11
Safe to spend until payday

Illustrative path between two real month ends of Mohab’s plan: 184,976 EGP in 2026-09 and 165,937 EGP in 2026-11.

  • Salary landsIncome in the plan
  • Bills leaveCounted on their due dates
  • Loan instalmentCar loan, month by month
  • Emergency fund top-upSet aside before spending

Less typing

It Does the Tedious Part.

Say a thing once, and Lightning remembers it.

Bank SMS, Read for You

On your phone, new messages from your banks wait in review with the amount filled in. CIB and NBE in Arabic today. Messages from people are never read.

Rules That File for You

Say once where a name, an amount or a note belongs. Every import and every new row follows, split and tagged if you like.

Bills That Know the Weekend

A bill due on a Friday moves to Thursday. When its payment arrives, the bill finds it and settles by itself.

Goals Your Budget Knows

Each dated goal says what it needs a month. When the plan can’t reach it, you see how much to cut, or the month it can.

Financial Health

Savings rate, emergency fund in months and debt to net worth, each against a limit you set, with six months to compare.

Find Anything, Hide Everything

Ctrl-K finds an account, a name or a #tag. Amounts take sums like 120+35*2. One click blurs every amount, for the café.

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

120,000EGP

in 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

How it works

A Minute a Day. Twenty Once a Month.

Your phone keeps up as you spend. Your PC is where you look back and plan.

  1. Add as You Go

    1 min a day

    Tap + on your phone, or post the bank SMS waiting for you. A CSV from each bank at month end works too.

  2. Settle a Few Rows

    5 min

    Answer once per name, or set a rule, and every row with that name follows. Nothing posts until you say so.

  3. Sit Down with Your Numbers

    15 min

    See where you stand, where it went and what’s coming. End with one change for next month.

See how it works

Our promise

Free to Use. Yours to Keep.

Financial freedom is for everyone. So is Lightning.

Every Feature, Free

Use all of Lightning for as long as you like. No card, no account, nothing locked.

Pay Once, When It’s Worth It

After a week, Lightning asks now and then for a one-time payment. Pay when it helps and you can afford it, and it’s yours for good.

Your Money Stays with You

No bank login, no server. One encrypted ledger on your phone, borrowed by your PC, opened with one password.

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 Downloads, 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?

Yes. The Android beta is available now as an APK; Google Play comes later. Your phone holds the ledger: add spending with one tap and let it read your bank SMS. Pair it once with your Windows PC to sit down with your numbers.

Does it read all my messages?

No. Only messages from your banks, and only after you allow it. Messages from people are never read, and each bank message waits in review: nothing posts until you say so.

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. How importing a statement works.

What goes online?

Your money data never does. It stays encrypted on your phone and your PC, which talk to each other over your own Wi-Fi. The only thing Lightning looks up online is the latest price of what you hold, such as listed shares by ticker symbol. Where your data lives.

Beta testers wanted

Help Us Shape the Future of Lightning.

Your opinion decides what we build next. Take the 3–5 minute survey and we’ll invite you to the beta, and to our testers’ community on WhatsApp.

Take the survey · 3–5 min

or get news of each build

Study Your Patterns. Control Your Future.