Empower your finances,
honor your values.
Rutab turns everyday banking into a halal wealth engine — seamless categorization, a real-time financial health score, and AI guidance for budgeting, saving, and Sharia-compliant investing.
Financial Health Score
Assalamu alaikum, Layla
Savings rate up, riba exposure at zero. Keep going to unlock Sukuk tips.
Auto-categorized
- -AED 312
Carrefour Groceries
Essentials
- +AED 1,500
Wahed Sukuk Fund
Halal Investing
- +AED 15,000
Salary — Emaar
Income
- -AED 88
Careem Rides
Transport
2,200+
Founding members
0%
Riba exposure
$12/mo
GCC-priced premium
3 sec
To a halal plan
More than a tracker
A halal wealth platform, not just another expense app
Tracking your spending tells you what already happened. Rutab tells you what to do next — and makes sure every recommendation aligns with your faith.
Yesterday
Fragmented & conflicted
- Budgeting apps ignore Sharia compliance entirely.
- Halal investing platforms don't help with everyday money.
- You juggle spreadsheets to avoid riba and estimate zakat.
- No single number tells you if you're actually on track.
With Rutab
One home for halal wealth
- Every transaction screened and categorized automatically.
- A real-time health score you can actually improve.
- AI recommendations for budgeting, saving & investing.
- Zakat and Sharia-compliant investing, built in.
Features
Everything you need to build halal wealth
A comprehensive toolkit that equips you with the knowledge and tools to improve your financial well-being — the halal way.
Seamless categorization
Every transaction is auto-sorted and screened, so you instantly see what's halal, what's essential, and where your money really goes.
Real-time financial health score
One living number blends your savings rate, spending, and riba exposure — updated the moment money moves.
Personalized AI recommendations
Sharia-aware AI turns your data into concrete next steps for budgeting, saving, and investing — never generic advice.
Sharia-compliant investing
Discover screened equities and Sukuk, track zakat, and grow wealth in a way that stays true to your values.
Goal-based budgeting
Set goals like Hajj, a first home, or an emergency fund — Rutab builds the riba-free path to reach them.
Privacy-first by design
Bank-grade encryption and read-only connections. Your financial data stays yours — never sold, never shared.
Try the Halal Wealth Assistant
Tell Rutab a money goal and get three halal, riba-free next steps in seconds. It's a preview of the AI guidance that powers your personalized recommendations inside the app.
- Screens out riba, gharar and haram sectors
- Tailored to budgeting, saving, investing or zakat
- Runs on your own OpenAI or Gemini key — never a built-in model
Halal Wealth Assistant
AI guidance, screened for Sharia compliance
Describe a goal and Rutab drafts a halal, riba-free action plan in seconds.
How it works
From connected to compliant in minutes
Connect your accounts
Securely link your bank and cards in seconds with read-only access. Nothing moves without you.
Get your health score
Rutab screens and categorizes everything, then reveals your real-time financial health score.
Grow, the halal way
Follow AI-guided steps to budget, save, and invest in Sharia-compliant assets — and watch your score climb.
Competitive positioning
We close the gaps others leave open
Lean handles data. Wahed and Sarwa handle investing. Rutab is the only one that unifies everyday money and halal wealth-building in a single consumer app.
| Capability | Rutab | Lean | Wahed | Sarwa |
|---|---|---|---|---|
| Halal-by-default screening | ||||
| Real-time financial health score | ||||
| Full budgeting & categorization | ||||
| AI, Sharia-aware recommendations | ||||
| Built-in zakat tracking | ||||
| Consumer app (not just an API) | ||||
| GCC middle-class pricing |
Comparison reflects Rutab's product positioning; competitor offerings may vary and change over time.
Pricing
Start free. Upgrade when you're ready to grow.
Freemium, and priced for real GCC middle-class budgets — no riba, no hidden fees.
Free
Everything you need to start.
$0/forever
- Automatic transaction categorization
- Real-time financial health score
- Halal screening on every transaction
- Basic budgeting & goals
Premium
AI + Sharia-compliant investing.
$12/month
- Everything in Free, plus:
- Personalized AI recommendations
- Sharia-compliant investing insights (equities & Sukuk)
- Built-in zakat calculator & reminders
- Advanced goals & priority support
Loved by values-driven savers
Trusted by our founding members
“Finally a money app that doesn't force me to choose between growing my savings and staying true to my deen. The health score is addictive.”
Amina R.
Product designer, Dubai
“The AI told me exactly which spending to trim to hit my Hajj goal — and every suggestion was halal. Nothing else on the market does this.”
Yousef K.
Software engineer, Riyadh
“I moved off a conventional tracker in a weekend. Zakat tracking alone is worth the subscription.”
Nadia S.
Founder, Doha
Testimonials are illustrative examples for this preview.
FAQ
Questions, answered
Most trackers just show you the past. Rutab is a halal wealth platform: it screens every transaction for Sharia compliance, scores your financial health in real time, and uses AI to recommend concrete, riba-free ways to save and invest.
Transactions and investment ideas are screened against Islamic finance principles — no riba (interest), no gharar (excessive uncertainty), and no haram sectors. We surface Sharia-screened equities and Sukuk, and help you track zakat.
Yes. Connections are read-only and protected with bank-grade encryption. We never move your money and never sell your data. Privacy is a core part of the product, not an afterthought.
Rutab is freemium. Core tracking and your health score are free forever. The premium tier is priced for GCC middle-class users at $12/month and unlocks AI recommendations and Sharia-compliant investing insights.
We're rolling out across the GCC and wider Middle East. Join the waitlist and we'll notify you the moment early access opens in your region.
No. Rutab provides educational tools and general guidance to help you make informed decisions. It is not a licensed financial advisor, bank, or Sharia authority.
Start building wealth that honors your values
Join 2,200+ founding members. Be first to get early access, halal money tips, and launch-only perks in your region.
No spam. Unsubscribe anytime. We'll only email you about early access.