Lightning
العربية Download freeDownload

Free personal finance for Egypt

All Your Money. One Clear Picture.

Your comprehensive financial planning app, from expense tracking, to budgeting and cash planning to investment analysis. Lightning holds all your net worth in one place.

Download free See how it works

Free to use. No card, no account.

Accounts, shares, gold and dollars

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

A bank, two wallets, a certificate, THNDR, gold and dollars. 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
Dollar brokerage
114,211EGPDollars and a US fund

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

Net Worth

What you own, less what you owe

546,679EGP
  1. In your accountsThe seven places, in EGP602,179
  2. Held for familyIn your bank, but not yours−6,000
  3. What you own596,179
  4. What you oweThe car loan, and October’s rent due−49,500
  5. Net worth546,679

Pounds and dollars

Hold Dollars. See Them in Pounds.

Each account keeps its own currency. Lightning counts it in EGP at the day’s rate, and shows what the rate earned you.

Mohab’s Dollars

Cash in his dollar brokerage, 2026-10-04

12,126EGP235 dollars at 51.60
  1. What they costBought at 49.80 on average11,703
  2. Gain from the rateNot locked in until you spend or convert+423
  3. Worth today12,126
  4. Already realizedOn dollars used this year+971
The same figures on Mohab’s Currencies screen

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.

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: +324,179 this year on bothOne edits, the other reads

  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 the phone: Overview
An account, day by day
Cash planning

Safe to spend

Watch Your Cash Before It Moves.

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

181,397EGP
Cash at its lowest month end, 2026-11
Safe to spend until payday

Illustrative path between two real month ends of Mohab’s plan: 197,102 EGP in 2026-09 and 181,397 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

192,215EGP
  1. Free cashYour cash, less reserves and bills due231,692
  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−8,022
  5. Rest of savings targetWhat this month still owes your goals−1,978
  6. Safe to spend192,215

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

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.

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

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 things looked up online are the latest prices and exchange rates for what you hold. How importing works · Where your data lives.

Can I track dollars and US shares?

Yes. Each account keeps its own currency, and Lightning counts it in EGP at the day’s rate, or the rate your bank gave you. The largest US stocks and ETFs on Nasdaq and NYSE get their prices by themselves. Gulf and European shares work too, with prices you type. See how dollar savings are tracked.

Open to help

Help Build Lightning

Lightning is free. Pick one small task and change it in your browser, with nothing to install.

See how to help

Beta testers wanted

Your Answers Decide What We Build Next.

Take the 3–5 minute survey: what you track, what you skip and what you wish Lightning did.

Take the survey · 3–5 min

or get news of each build

Study Your Patterns. Control Your Future.