Est. 2026 · methodology in peer review · v2

Settle accounts
with your values.

The halal financial operating system for Muslim households. One place where every dollar is checked against both your faith and your values: purification, zakat, ethical spending, Hajj savings, household budgets, and investment screening, all in one continuous view.

Request early access See Ask Nuqsaf

Read-only bank access via Plaid
Encrypted. Never sold. Never trained on.
Peer-reviewed methodology

What Nuqsaf sees

One engine. Six surfaces.

Every surface is a view on the same data: your linked accounts, classified by scholar-reviewed methodology. You connect once; six answers update continuously.

الربا

Riba Mirror

Continuous purification tracking across every linked bank, card, brokerage, and loan. Auto-settled monthly if you want it.

الزكاة

Zakat Engine

Net-worth-based zakat across every asset class. Nisab, hawl, eligibility — tracked continuously, handed to you as a dated statement.

القيم

Ethical Consumption

Your values. Your filters. Nuqsaf is tooling, not editorial — you import the advocacy lists that match your household.

الحج

Hajj & Umrah Savings

Goal-based savings toward the pilgrimage, routed through halal vehicles. Scholar-vetted operators surface as you approach your date.

الحساب

Halal Budget

Household spend analysis filtered through an Islamic lens. Subscription detection, bill tracking, per-member visibility.

الاستثمار

Investment Visibility

AAOIFI-style screening on every linked brokerage and retirement account. Each holding: halal-as-held, purify-dividends, or divest.

Riba Mirror ships first. Remaining surfaces roll out through Ramadan 2027.

New in v2

Ask Nuqsaf. Answers with receipts.

An assistant grounded in your ledger and in the primary sources. Every answer cites the ayah, the hadith, the fatwa, or the line item it’s drawing from. If it doesn’t know, it says so — and tells you who to ask.

Grounded in Qur’an, Sunnah, and your selected madhhab’s fatāwā
Cites transactions by ID when reasoning about your finances
Defers to your scholar on ikhtilāf — never picks a side for you

Ask NuqsafHANAFI · APR 18

My Vanguard dividend — do I purify the whole thing or just a portion?

VTI is a diversified ETF; roughly 3–5% of underlying revenue comes from interest-bearing sources under AAOIFI screening.[1] For your April dividend of $8.93[2], Ḥanafī scholars treat the non-compliant fraction as the purification amount — here, $0.40.[3]

[1]AAOIFI Sharia Standard No. 21 · §3/4/5

[2]tx_9a3f · Vanguard VTI Dividend · Apr 15, 2026

[3] Classical Ḥanafī texts on dividend purification

Seasons

رمضان

The month changes the math.

Ramadan mode tightens your filters, surfaces the 10-nights giving ladder, and shows the Iftar Live Activity on your lock screen. The Jumma view lands every Friday morning with the week settled, obligations in sight, and two flags awaiting your call before Maghrib.

Join for Ramadan 1447

IFTAR · LIVE ACTIVITY

18m

Maghrib · 6:42 PM

Laylat-ul-Qadr ladderNight 23 · 2×

Week flags2 open

Auto-purificationPaused · review

9:41•••

DASHBOARD · JUMMA · 14 RAJAB

As-salāmu ʿalaykum, friend.

APRIL · TO PURIFY

$342.17

14 EVENTS · 2 OPEN

Hawl214 / 354 d

Zakat est.$1,284

Streak46 wk

IFTAR IN 18M

Coming to iPhone · 1447

The ledger in your pocket.

The same clearing house, native on iOS. Review a flag from the lock screen, read the Jumma digest over chai, watch the iftar countdown on your Live Activity. Purification tapped and settled in seconds.

Home-screen widgetPurify-to-date, at a glance
Iftar Live ActivityCountdown + night-ladder
Quick reviewConfirm, exclude, defer
Share extensionLong-press a charity to donate

New in v2

الميراث

Mirāth. Answered, dated, saved.

Inheritance is the test most Muslim households never do in time. Nuqsaf walks you through a question flow with your madhhab’s rules, then hands you a dated distribution PDF you can give to your family and your lawyer.

DRAFT DISTRIBUTION · HANAFI

Draft estate · $580,000

Wife (Zawja)⅛$72,500

Son (Ibn)⅔ × ⅔$225,667

Daughter (Bint)⅓ × ⅔$112,833

Mother (Umm)⅙$96,667

Father (Ab)⅙$96,667

METHODOLOGY V0.3SIGNED · APR 18, 2026

المسجد

Your masjid can host a partner ledger.

Aggregated, anonymized purification and zakat flows for the community — so your imam knows what the jamā‘ah has already settled, and what still needs a sadaqah drive.

Write to partners

What we will
and will not do.

Read-only access — always.

We cannot move money, open accounts, or change settings. Plaid authentication happens on their servers, not ours. We never see your bank password.

Methodology under peer review.

Our classification rules are documented, versioned, and currently under scholar review. Disagreements are logged publicly. Override a flag and we learn.

Your data does not leave.

Transaction records are encrypted at rest and never sold, shared, or used to train third-party models. Export and delete everything at any time.

“A product you trust with your bank access and a sacred obligation should have nothing to hide — and every page of ours is open.”

Dollars we can move on your behalf. Ever. By design.

100%

Of every flag reviewable before a total is computed. Nothing silent.

Surfaces on one engine: purification, zakat, ethical spend, Hajj, budget, investments.

30d

Free trial on monthly and household plans. Cancel anytime.

Pricing

Fair. Transparent.

Three ways in: a one-time report for tax season, a monthly ledger for the year, or a household plan for the family. Cancel anytime, export everything. You are not the product.

Single Report

ONE-TIME · NO SUBSCRIPTION

$20once

One dated purification report for a single tax or Ramadan cycle. No recurring charge.

Link up to 5 accounts
One purification PDF, methodology-stamped
Flag review queue (90-day window)
Data exported, then wiped on request

Buy a report

Ledger

MONTHLY · CONTINUOUS

$10/ month

For individuals tracking personal accounts year-round. All six surfaces. First 30 days free.

Unlimited linked accounts, all six surfaces
Ask Nuqsaf with grounded citations
Auto-purification (optional, monthly)
Zakat engine with lunar-year tracking
iOS app, widget, Live Activity

Start 30-day trial

Household

MONTHLY · UP TO 5 MEMBERS

$28/ month

For couples and families. Joint accounts, shared archive, per-member strictness. First 30 days free.

Everything in Ledger
Up to 5 household members
Joint + individual reports and archives
Mirāth (inheritance) distribution PDF
Priority support, founder-direct email