One list for the family
Every expense in one place. Filter by category, member or month, and edit or delete your own any time.
Free · No ads · English and العربية
A clear picture of where your money goes.
Sarf is an expense tracker made for families. Log what you buy in a few seconds, and Sarf shows you what you spend the most on, so you can plan next month.
Coming soon to Google PlaySee what Sarf shows you
Coming soon to Google Play and the App Store.
- Up to 4 people, one space
- Still works when offline
- No bank connection
Insights
Know what you spend the most on.
Every expense you log lands in one clear picture. Tap any number to see the expenses behind it.
By category
Groceries, bills, eating out. See which ones take the most.
By family member
Who logged what, without blame. Private expenses show as one line.
Month by month
The last 6 months side by side, so you see what changed.
Spent in November
AED 4,120.00
GroceriesAED 1,150
BillsAED 890
Eating OutAED 640
KidsAED 420
TransportAED 360
PrivateAED 330
Last 6 months
4,180Jun
4,620Jul
4,950Aug
5,230Sep
4,410Oct
4,120Nov
How it works
Log it in a few seconds. Sarf does the sums.
- 1
Type the amount
Amount first, on a keypad made for it.
- 2
Tap a category
This is what makes the picture clear later. A name and a note are optional.
- 3
Save
The whole family sees it. No internet? Sarf keeps it on your phone and sends it when you are back online.
Categories to start with
- Groceries
- Eating Out
- Bills
- Home
- Transport
- Health
- Beauty
- Clothes
- Technology
- Kids
- Other
Plan
Then plan next month with what you learned.
Once you know where the money goes, set one monthly limit and limits for the categories that matter. Start your month on payday, any day from the 1st to the 28th. Sarf keeps count of what is left as you go.
On track
The saffron part of the meter is the money still left.
Near the limit
From 80% used, Sarf says so with a gauge and plain words.
Over the limit
You can still log. Sarf tells you how much over, calmly. No red banners.
Left this monthOn track
AED 2,380.00
AED 4,120.00 spent of AED 6,50015 days left
GroceriesAED 450 left
Eating OutAED 140 over
TransportAED 40 left
Wish listنشتريه؟
Should we buy it?
Put what you want on the family Wish list. Sarf adds a pause before you decide, 3 days by default. Everyone votes Yes or No and sees what the month would look like if you bought it.
If we buy the air fryerAED 350
AED 2,030.00 left afterReady to decide
Thinking
A few days to be sure it is worth it.
We bought it
Sarf fills in the expense for you.
We don't need it
It counts as not spent this month.
Projectsالمشاريع
Plan the big things, too.
A trip, a move, a wedding, Ramadan or a renovation. Put its expenses and Wish list items in one project and see the total in one place. Planned items get the same pause before you buy.
Tag as you go
Add an expense or a Wish list item to a project when you log it.
One total
See what the whole thing costs: spent, planned and left.
Your call on limits
The Owner can keep a project out of the monthly limits, like a trip out of the everyday month.
Summer tripTarget 15 Jul 2027
AED 3,240 spent of AED 5,000 planned
- FlightsExpenseAED 1,800
- Hotel depositExpenseAED 1,440
- Travel bagPlanned itemAED 220
Not counted toward limits
Made for a family
Shared where it helps, private where it matters.
Private when it is a surprise
Only you see what it is. Everyone else sees one line called Private, and the amount still counts, so the family's picture stays true.
You decide who joins
Share a link or a short code on WhatsApp. Each person sends a request, and the Owner accepts or declines. A leaked code lets nobody in on its own.
Privacy
What Sarf does not do.
Sarf only knows what you log. That is all it needs.
No bank connection
No cards and no accounts to link. You log what you buy, and Sarf does the sums.
No ads, no selling personal info
Sarf is free. It shows no ads and never sells your personal information.
No password to remember
You sign in with your Google account.
Leave whenever you want
Delete your account in the app or on our website.
Arabic and English
Full right to left Arabic and English, in light and dark. Any currency.
No guilt
No alarms and no scolding. Sarf says what is true, then stops.
Questions you may have
Does Sarf connect to my bank?
No. There is no bank connection. You log what you spend yourself.
How long does logging take?
A few seconds. Amount first, one tap for the category, then save. It still works when you're offline, and sends the expense once you're back online.
Does the family share one space?
Yes. Up to 4 people log into one shared space and see the same picture.
Can I keep an expense private?
Yes. Mark it private and only you can see it. The amount still counts in the family total, so the numbers stay true. Good for a surprise gift.
Which currencies does it support?
You pick one currency when you start, such as AED, SAR, KWD, QAR, EGP or USD. There is no conversion.
Is there an iPhone app?
Yes, it's coming soon to the App Store, along with the Android app on Google Play.
Can I use it on my own?
Yes. Sign in with Google and start. You can invite others any time.
What does it cost?
Sarf is free, and it has no ads.
See where this month's money goes.
Free, with no ads, in Arabic and English.
Coming soon to Google PlayComing soon to Google Play and the App Store.