Question 1

What is Masrafo and how does it work?

Accepted Answer

Masrafo is a personal finance application centered on custom payroll cycles. It locks in fixed expenses and savings targets on payday, calculates a daily Safe-to-Spend allowance, and optimizes credit card statement cycles to generate overnight cash yields.

Question 2

Does Masrafo require bank passwords or account credentials?

Accepted Answer

No. Masrafo operates under a zero-banking-credential architecture. Bank passwords, account numbers, or card details are never requested or stored. All budget data is isolated per user using Supabase Row Level Security (RLS) in our encrypted cloud database, with local caching for instant offline performance.

Question 3

How does the Safe-to-Spend daily allowance work?

Accepted Answer

Safe-to-Spend deducts fixed commitments (rent, utilities, debt) and your upfront savings goal from your monthly income. The remaining balance is evenly divided by the days left until payday, giving you an exact daily spending limit.

Question 4

How does the smart card calendar generate extra yield?

Accepted Answer

Purchases made right after a credit card's statement cut-off date benefit from a 40-day interest-free grace window. Masrafo calculates the optimal card to use, allowing you to park cash in overnight money market funds until the payment due date.

Question 5

Can I align my budget cycle with my actual payday?

Accepted Answer

Yes. Unlike traditional calendar-month budget tools, Masrafo lets you configure your financial cycle around any salary date (such as the 15th). Your daily allowance and analytics run strictly from payday to payday.

Question 6

What happens if I exceed my daily spending limit?

Accepted Answer

Masrafo does not trigger red warning alarms when limits are exceeded. If you spend beyond your daily allowance, the Safe-to-Spend engine redistributes the difference across the remaining days until your next payday.

Question 7

How much does Masrafo cost and is there a free trial?

Accepted Answer

Masrafo offers a lifetime free tier for essential budget tracking. Masrafo Pro includes unlimited smart card yield optimization and advanced forecasting with a 14-day free trial. Pro plans start at 89 TRY/month, with discounted annual and lifetime license options.

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