Free personal finance for Egypt

All Your Money. One Clear Picture.

Your accounts, savings, shares and gold, counted in EGP, on your phone and your PC.

Phone and PC in sync, no server
Shares, funds and certificates in EGP
Safe to spend until payday
No bank login, no account

Free to use. No card, no account.

Accounts, savings, shares and gold

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

In your accountsThe six places, in EGP487,967
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

Phone and PC

One Ledger. Two Screens. Pair Once.

Your phone holds the ledger. Your PC borrows it when you sit down, then hands it back, over your own Wi-Fi, with no account and no server.

Lightning on the PC, Overview year to date, with the line Borrowed from Mohab’s phone and a Hand back button: change in net worth +287,067 EGP, a 49.2% savings rate and net worth 432,467. — On the PC: **Borrowed from Mohab’s phone** · Hand back

Lightning on the phone at the same moment: Lent to Office PC, read only, above the same Overview: change in net worth +287,067 EGP and a 49.2% savings rate. — On the phone: **Lent to Office PC** · read only

Same ledger, same figures: +287,067 this year on bothOne edits, the other reads

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.
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.
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.

Lightning on the phone, Overview year to date: change in net worth +287,067 EGP, net worth 432,467, a 49.2% savings rate, a 37.3% investing rate and 41,477 EGP left in plan. — On the phone: Overview

Lightning on the phone, CIB Payroll: 215,657 EGP in the account, of which 209,657 is Mohab’s and 6,000 held for others, with October’s transactions grouped by day. — An account, day by day

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

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

Free cashYour cash, less reserves and bills due219,566
Bills and loan paymentsBefore the next salary−4,460
Budget left to spendWhat this month’s plan still allows−25,017
Emergency fund top-upThis month’s share of rebuilding it−11,667
Safe to spend178,423

Each figure is rounded to whole EGP, so a row can differ by 1.

Lightning Cash planning, how safe to spend is worked out: free cash 219,566 EGP, less 4,460 of bills and loan payments before the next income, 25,017 of budget left to spend and an 11,667 emergency fund top-up, leaves 178,423 EGP safe to spend until 2026-11-01. — The same figure on Mohab’s Cash planning screen

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.

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.

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.
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.
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.

Try all of it. Pay once, only if it helps.

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 a free expense tracker for Egypt?

Yes. It is free to download and use, and nothing is locked. It tracks your spending in EGP across bank accounts, mobile wallets and cash, with no bank login. See how the free expense tracker works.

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 or Android beta from Downloads. On Windows, unzip it and open Lightning. Mohab’s sample year is there too, to learn the steps before adding your own.

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, or send my data anywhere?

No. Lightning never asks for bank logins: download a CSV from any bank or wallet, match its columns once, and review every row. Your money data stays encrypted on your phone and PC. The only thing looked up online is the latest price of what you hold. How importing works · 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.