Everything You Own
Bank accounts, mobile wallets, cash, gold by karat, bank certificates, EGX shares and funds, US stocks and ETFs, and dollar accounts, all in EGP.
Net worth, budget and expense tracker
Net Worth, Budget and Expenses, in One Free App.
Lightning is a free personal finance app for Egypt, for Windows and Android. It tracks expenses, builds your budget, plans your cash and analyses your investments from one ledger, and holds your whole net worth in EGP in one place, with no bank login.
Free to use. Windows and Android. No bank login.
What it covers
One Ledger. Three Answers.
Import a statement once. Your net worth, budget and expenses all read from it, so they never disagree.
Budget and Expenses
A plan for each category, spending by category and month, bills that repeat, and how much is safe to spend before payday.
Private by Design
No bank login and no account. Your data stays in an encrypted profile on your phone and PC, which sync over your own Wi-Fi.
Net worth
What You Own, Less What You Owe.
Mohab’s net worth on 2026-10-04, across seven places and two currencies.
Net Worth
What you own, less what you owe
- In your accountsSeven places, two currencies602,179
- Held for familyNot yours−6,000
- What you oweThe car loan, and October’s rent due−49,500
- Net worth546,679
Budget
Plan Each Category, See What’s Left.
The budget reads the same transactions as your net worth.
Left in Plan
October, from 2026-10-01
- PlannedEvery category with a plan38,034
- SpentFood & Groceries so far−3,410
- Left in plan34,624
Expenses
See Where the Salary Went.
Every pound out, by category and month, from the same ledger.
Money Out
2026-09, by category
- Housing & Rent12,000
- Food & Groceries4,644
- Health2,700
- Loan payments2,500
- Other6,974
- Money out28,818
Good questions
All-in-One Tracker, Answered
What people in Egypt ask before they trust one app with it all.
Is there one app that tracks net worth, budget and expenses together in Egypt?
Yes. Lightning keeps one ledger and reads three things from it: your net worth across bank accounts, wallets, cash, gold, certificates, shares and dollars; a monthly budget by category; and your expenses by category and month. Nothing is typed twice, so the three always agree. It is free and runs on Windows and Android.
Does it track investments as part of net worth?
Yes. Gold by weight and karat, bank certificates, EGX shares and funds (including those held on THNDR), US stocks and ETFs, and dollar accounts all count in EGP at the day’s value. Mohab’s portfolio is 352,486 EGP across them.
Does it need my bank login?
No. You download a CSV statement from your bank or wallet, match its columns once and review each row before it is saved. The Android app can also read bank SMS into the same review. Your data stays in an encrypted profile on your own devices.
How does the budget connect to my spending?
Every transaction you import lands in a category. The budget plans each category, and the same transactions show what is spent and left. Mohab’s October plan is 38,034 EGP, with 3,410 spent and 34,624 left.
Does it work in Egyptian pounds and dollars?
Yes. Each account keeps its own currency and is counted in EGP at the day’s rate or a rate you type. The gain or loss from the exchange rate is shown apart from the price gain.
Is it really free?
Yes. Every feature is free and nothing is locked. After seven days Lightning asks now and then for a one-time payment; you pay when it is worth it to you and own it forever.
Keep reading
Go Deeper on Each One
Each answered with Mohab’s year, our sample household.
How Do I Track Gold, Certificates and Shares Together?
One portfolio in EGP, and what it really earned this year.
How Much Is Safe to Spend Before Payday?
Your cash, less what is already promised before the next salary.
Can I Budget From a Bank Statement?
No bank login, just the CSV your bank already gives you.
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