Built for the money you have, and the obligations that come with it
Plenty of apps will show you where your salary went. Almost none of them can tell you what you owe in Zakat, whether an income is permissible, or what to do about the interest you did not ask for. That gap is the whole reason this exists.
يَقُولُ ٱبْنُ آدَمَ مَالِي مَالِي، وَهَلْ لَكَ مِنْ مَالِكَ إِلَّا مَا أَكَلْتَ فَأَفْنَيْتَ، أَوْ لَبِسْتَ فَأَبْلَيْتَ، أَوْ تَصَدَّقْتَ فَأَمْضَيْتَ
“The son of Adam says: ‘My wealth, my wealth.’ But do you own of your wealth anything except what you have eaten and finished, what you have worn and worn out, or what you have given in charity and sent ahead?”
“আদম সন্তান বলে: আমার সম্পদ, আমার সম্পদ। অথচ তোমার সম্পদ থেকে তোমার জন্য কী রয়েছে — তুমি যা খেয়ে নিঃশেষ করেছ, যা পরিধান করে পুরনো করেছ, অথবা যা সদকা করে আগে পাঠিয়েছ, তা ছাড়া?”
Three destinations for everything you hold: consumed, worn out, or sent ahead. Almost nobody can say from memory which of the three a year of income actually went to. A ledger can.
Six reasons people switch
Not features for their own sake — each one closes a gap that a general-purpose money app leaves open.
- 01
Your Zakat is not an afterthought
Most finance apps cannot tell you what you owe. Deenomics tracks your Nisab against live gold and silver rates, runs the Hawl on its own, and shows the 2.5% worked out line by line — so you can check it rather than trust it.
- Live Nisab
- Hawl tracking
- Working shown
- 02
You will not type transactions
Every bank SMS and payment alert that reaches your phone is parsed into a draft: amount, merchant, category, account. Nothing enters your ledger until you approve it, and nothing needs your bank login.
- SMS capture
- Approve or discard
- No bank login
- 03
Guidance where the decision is made
Riba, halal earnings, the rules of wealth, business ethics. The reference sits inside the app, next to the number you are actually looking at — not in a browser tab you will open later.
- Riba
- Halal earnings
- Daily verse
- 04
A coach that has seen your numbers
Ask why spending rose, whether a loan is permissible, or how much to save monthly for Hajj. Because it can see your real income and spending the answers are about your money, and where a ruling is involved it cites the source.
- Your figures
- Cited rulings
- 4 languages
- 05
Private by construction, not by promise
Messages are parsed on your device and never uploaded. There is no bank credential to hand over, and a PIN-locked vault for the holdings you would rather not have on screen.
- On-device
- No credentials
- PIN vault
- 06
Free where it matters
Tracking, the Zakat engine and the guide are free forever — the parts you need to meet an obligation should not sit behind a paywall. Premium buys unlimited AI and deeper analytics, nothing else.
- Free core
- No ads in the way
- Optional Premium
What the alternatives leave you doing yourself
The spreadsheet is honest work. The generic app is convenient. Neither finishes the job.
| What you need doing | Deenomics | A generic tracker | A spreadsheet |
|---|---|---|---|
| Transactions captured automatically | Bank login required | ||
| Zakat calculated on your real assets | By hand, every year | ||
| Nisab tracked against live metal rates | |||
| Hawl started, paused and completed for you | |||
| Islamic finance guidance in context | |||
| Works without handing over bank credentials | |||
| Answers questions about your own numbers | Generic tips | ||
| Cost to do the essentials | Free | Usually paid | Free |
Comparison describes the general category, not any one product. Feature sets change — check before you switch.
For what changes on your side rather than how it compares, see the benefits in practice.
If it only did the Zakat, it would still be worth installing
Zakat is arithmetic on top of a moving picture of everything you own. Doing it once a year from memory is how people underpay without meaning to.
It knows what you hold
Cash, bank, gold, silver, stock, receivables and property, kept current as your transactions land.
It knows the threshold
Nisab is the lower of 87.48g of gold and 612.36g of silver, priced at live rates rather than last year’s.
It knows the date
The Hawl starts when you cross Nisab, pauses if you fall below, and completes on its own.
It shows the working
Every figure is traceable to the assets behind it, so you can check it against your own reckoning.
Zakat & Sadaqah
VAULTZakat payable
৳ 12,066
2.5% of ৳4,82,650 zakatable wealth
Above the ৳4,85,000 Nisab since 12 Muharram — Hawl is running.
Zakatable assets
Sadaqah this year
৳ 18,500
Zakat paid
৳ 0 / 12,066
خُذْ مِنْ أَمْوَالِهِمْ صَدَقَةً تُطَهِّرُهُمْ وَتُزَكِّيهِم بِهَا
“Take from their wealth a charity by which you purify them and cause them increase.”
“তাদের সম্পদ থেকে সদকা গ্রহণ করুন, যার মাধ্যমে আপনি তাদের পবিত্র ও পরিশুদ্ধ করবেন।”
Zakāh shares a root with ṭahārah — purification — and with growth. Getting the figure right is part of the act, which is why the engine shows its working instead of asking you to take a number on trust.
Three people this was written for
You already track, badly
A notes app, a spreadsheet you update in bursts, and a rough guess at Zakat every Ramadan. This replaces all three and keeps itself current.
You have never tracked at all
Setup is a two-minute survey, then your alerts do the work. You get a picture of your money without building one.
You want the ruling, not just the number
You care whether the income is permissible and whether the Zakat is right, and you want the reasoning shown rather than asserted.
إِذَا تَدَايَنتُم بِدَيْنٍ إِلَىٰ أَجَلٍ مُّسَمًّى فَٱكْتُبُوهُ
“When you contract a debt for a specified term, write it down.”
“যখন তোমরা নির্দিষ্ট সময়ের জন্য ঋণের লেনদেন করো, তখন তা লিখে রাখো।”
The longest verse in the Qur’ān is about keeping a clear record of what is owed. An app that logs your transactions is not a modern convenience bolted onto the deen — it is the oldest financial instruction in it, made easier.
Passages are quoted for reflection, not as a ruling. Schools of jurisprudence differ on the details of Zakāh and of what counts as permissible income — for a ruling on your own situation, consult a qualified scholar.
See whether it holds up against your own numbers
Free to download, free to keep using. Set your baseline in two minutes and judge it on your own accounts rather than on a landing page.