# SmartJib – Private Budget Tracker

> SmartJib is a private, offline-first budget tracker that separates what money is for — needs, wants, and savings — from where money is held — bank, home, or wallet. It supports 12 currencies (MAD, EUR, USD, GBP, CAD, CHF, AED, SAR, EGP, TND, DZD, XOF) and 4 budgeting strategies: 50/30/20, zero-based budgeting, envelope budgeting, and pay-yourself-first. SmartJib does not connect to your bank; you enter transactions manually. Account data is cached locally and synced to Firebase when you sign in.

## Key Features

- **12 currencies supported**: MAD, EUR, USD, GBP, CAD, CHF, AED, SAR, EGP, TND, DZD, and XOF.
- **No bank connections**: Transactions are entered manually for privacy and control.
- **4 budgeting strategies**: 50/30/20, zero-based budgeting, envelope budgeting, and pay-yourself-first.
- **Separate budget envelopes and money places**: Needs, wants, savings describe what money is for; bank, home, wallet describe where it is held.
- **Private accounts**: Data cached locally and synced to Firebase; not sold to third parties or used for advertising profiles.
- **Data portability**: CSV export or complete restorable JSON backup from Profile.
- **Account deletion**: Permanent deletion with retry reporting.
- **PWA**: Installable as a web app (iOS, Android, desktop).

## Pricing

SmartJib’s core budget is free with no time limit. Planned subscriptions are Pro at 29 MAD/month or 290 MAD/year and Ultimate at 99 MAD/month or 990 MAD/year. Eligible accounts can start one 30-day Pro trial and one 30-day Ultimate preview without a card; neither renews automatically. Paid availability and final billing terms are shown on the plans screen before any purchase; previews never turn into paid subscriptions automatically. In detail: Pro adds trends 6-12 months, bulk CSV import, 60 cloud AI answers/month, 100 barcode lookups, 50 receipt scans, 24-month history. Ultimate adds shared households up to 5 members, 300 AI answers, 500 lookups, 250 scans, 60-month history.

## Pages

- [SmartJib home](https://smartjib.com): Private budget tracker for needs, wants, savings, bank, home, wallet.
- [Features](https://smartjib.com/features): Overview of SmartJib budgeting features.
- [Multi-currency (MAD, AED, SAR, EGP, TND, DZD, EUR, USD)](https://smartjib.com/features/multi-currency-mad): 12 currencies, proper Intl formatting.
- [Track bank, home, and wallet money](https://smartjib.com/features/track-bank-home-wallet): Where money lives, separately from what it is for.
- [Expense tracking](https://smartjib.com/features/expense-tracking): Manual expense tracking without bank connections.
- [No bank connection privacy](https://smartjib.com/features/no-bank-connection): Why SmartJib never connects to your bank.
- [Budgeting methods](https://smartjib.com/budgeting-methods): Compare the 4 budgeting strategies.
- [50/30/20 rule](https://smartjib.com/budgeting-methods/50-30-20-rule), [Zero-based](https://smartjib.com/budgeting-methods/zero-based-budgeting), [Envelopes](https://smartjib.com/budgeting-methods/envelope-budgeting), [Pay yourself first](https://smartjib.com/budgeting-methods/pay-yourself-first).
- [Free financial tools](https://smartjib.com/tools): 8 calculators — budget 50/30/20, compound interest, net worth, Coast FIRE, net salary MAD, home loan, zakat, auto-entrepreneur.
- [Budget templates](https://smartjib.com/templates): 12 starting plans with visible category lists, exact MAD amounts, CSV export.
- [Getting-started guide](https://smartjib.com/guide), [Excel import guide](https://smartjib.com/guide/excel).
- In-depth guides: [best free budget apps](https://smartjib.com/guide/best-budget-apps) (how to choose, not a paid ranking), [budget categories](https://smartjib.com/guide/budget-categories) (full list with worked MAD amounts), [financial plan for retirement](https://smartjib.com/guide/retirement-budget) and [Google Sheets budget template](https://smartjib.com/guide/google-sheets-budget) (five columns, three formulas).
- [About](https://smartjib.com/about), [Privacy](https://smartjib.com/privacy), [Terms](https://smartjib.com/terms).
- [Editorial policy](https://smartjib.com/editorial): who writes SmartJib's guides (named author), how figures are sourced and worked, how AI is used, corrections, and the financial-advice boundary. Last reviewed 2026-10-29.

## Countries & regions

SmartJib works worldwide; the country pages below are calibrated to local payment cultures and currencies.

- [Morocco](https://smartjib.com/c/morocco) — MAD, French & Arabic (primary launch)
- [Tunisia](https://smartjib.com/c/tunisia) — TND, French & Arabic
- [Algeria](https://smartjib.com/c/algeria) — DZD, French & Arabic
- [Egypt](https://smartjib.com/c/egypt) — EGP, Arabic & English
- [UAE](https://smartjib.com/c/uae) — AED, English & Arabic
- [Saudi Arabia](https://smartjib.com/c/saudi-arabia) — SAR, Arabic & English
- [France](https://smartjib.com/c/france) — EUR, French
- [United Kingdom](https://smartjib.com/c/united-kingdom) — GBP, English
- [United States](https://smartjib.com/c/united-states) — USD, English
- [Canada](https://smartjib.com/c/canada) — CAD, English & French
- [Switzerland](https://smartjib.com/c/switzerland) — CHF, English
- [West Africa (XOF / CFA)](https://smartjib.com/c/west-africa) — XOF, French
- [All countries](https://smartjib.com/c)

## City guides

City-specific cost-of-living benchmarks (rent, transport, meals) plus SmartJib configuration: [worldwide hub](https://smartjib.com/city), [Morocco hub](https://smartjib.com/cities). Covered cities: Casablanca, Rabat, Marrakech, Tangier, Fes, Agadir, Meknes, Oujda, Kenitra, Tetouan, Tunis, Algiers, Cairo, Alexandria, Dubai, Abu Dhabi, Riyadh, Jeddah, Paris, London, New York, Montreal, Brussels, Dakar.

## Budget guides by situation

- [Privacy-first budget app without bank connection](https://smartjib.com/budget-for/no-bank) — why no-bank-sync, manual entry, works everywhere
- [Auto-entrepreneur (Morocco)](https://smartjib.com/budget-for/auto-entrepreneur) — impôt libératoire, CNSS, pro/perso separation
- [Family budget](https://smartjib.com/budget-for/families) — rent, school, bills, zakat, shared households
- [Student budget](https://smartjib.com/budget-for/students) — scholarship/family support, rent, transport
- [Freelance budget](https://smartjib.com/budget-for/freelancers) — irregular income, tax provisions, multi-currency
- [Couples budget](https://smartjib.com/budget-for/couples) — shared expenses + personal envelope
- [Ramadan budget](https://smartjib.com/budget-for/ramadan) — ftour, chrioua, sahra, zakat al-fitr, Eid gifts
- [Expats budget](https://smartjib.com/budget-for/expats) — multi-currency (AED/SAR/MAD/EUR/USD/GBP)
- [SMIG Morocco (3,422 MAD)](https://smartjib.com/budget-for/smig) — realistic split on the minimum wage

## FAQ hubs (long-tail / AI-readable answers)

- [How to make a budget for beginners](https://smartjib.com/faq/beginner-en) (EN)
- [How much of my income should I save](https://smartjib.com/faq/how-much-to-save-en) (EN)
- [Cash budget system](https://smartjib.com/faq/cash-budgeting-en) (EN)
- [Budget app that doesn't connect to your bank](https://smartjib.com/faq/no-bank-sync) (EN)
- [Comment faire un budget pour débutant](https://smartjib.com/faq/beginner) (FR)
- [Combien épargner par mois](https://smartjib.com/faq/how-much-to-save) (FR)
- [Gérer son budget en espèces](https://smartjib.com/faq/cash-budgeting) (FR)
- [Zakat calculator — cash, gold, silver](https://smartjib.com/faq/zakat) (universal)

## Comparisons

- [Best budget app in MENA](https://smartjib.com/vs/wallet-app)
- [Mint alternative (no bank sync)](https://smartjib.com/vs/mint)
- [YNAB alternative (privacy + multi-currency)](https://smartjib.com/vs/ynab)
- [Copilot Money alternative](https://smartjib.com/vs/copilot)
- [Monarch Money alternative](https://smartjib.com/vs/monarch)
- [Application budget vs Excel](https://smartjib.com/vs/excel) (FR)
- [Alternative Bankin'](https://smartjib.com/vs/bankin) (FR)
- [Alternative Linxo](https://smartjib.com/vs/linxo) (FR)
- [Comparisons hub](https://smartjib.com/vs)

## Budgeting Guides (blog)

- [What money is for vs. where it is](https://smartjib.com/blog/what-its-for-vs-where-it-is), [Pick a budgeting style](https://smartjib.com/blog/pick-a-budgeting-style), [Track cash and wallet spending](https://smartjib.com/blog/track-cash-wallet-spending), [A cash-first budget for Morocco](https://smartjib.com/blog/cash-first-budget-morocco), [All guides](https://smartjib.com/blog).

## French Edition (Français)

- [Budget en dirhams au Maroc, sans connexion bancaire](https://smartjib.com/fr)
- [Suivre ses dépenses sans connexion bancaire](https://smartjib.com/fr/blog/suivi-depenses-sans-compte-bancaire)

## Arabic Edition (العربية / الدارجة)

- [الميزانية بالدرهم، بلا ربط البنك](https://smartjib.com/ar)
- [تتبّع مصاريفك بلا ربط البنك](https://smartjib.com/ar/blog/tatabbo3-masarif-bla-banka)

## Budget decisions and worked examples

Editorial pages server-rendered in English, French and Arabic with reciprocal alternates:

- [Budget decisions hub](https://smartjib.com/learn)
- [Budget app vs spreadsheet](https://smartjib.com/learn/budget-app-vs-spreadsheet)
- [Budget without bank sync](https://smartjib.com/learn/budget-without-bank-sync)
- [Monthly budget in Morocco](https://smartjib.com/learn/monthly-budget-morocco)
- [Guides en français](https://smartjib.com/fr/learn)
- [أدلة ومقارنات الميزانية بالعربية](https://smartjib.com/ar/learn)