No bank connections
No account, no sign-up
Arabic & English, full RTL
Asset change
Broken down by cause
Due today
Salary and instalments, with their dates
The questions Mujmal answers
What do I hold now?
Cash, investments, and physical assets at their current values, each with its valuation date.
What do I owe?
Instalments, recurring commitments, and credit cards with their real due dates.
What will I receive?
Salary, recurring income, and receivables — and where each amount lands.
Why did my wealth change?
Analysis that separates additions, value movement, cash flows, liabilities, and currency effects.
How it is used
Seconds in the morning. A sitting at month-end.
A quick daily check and a deeper monthly review — kept clearly separate.
Daily · seconds
Now
Salary landed? Confirm it. Instalment due? Log it. See what needs your action today, immediately.
Illustrative
Salary
Income · monthly
+18,000Overdue
Car instalment
Commitment · monthly
−2,000Today
Electricity bill
Paid from the current account
One confirmation updates the balance and commitment together.
Monthly · a sitting
The full picture
See whether the change came from saving, asset performance, or currency movement.
Illustrative
Change over the period+171,150 SAR
Additions to assets+96,000
Value movement+58,400
Cash flows+21,750
Currency effect−5,000
The parts always reconcile to the total — no number without a source.
Money schedule
Everything ahead of you on one timeline.
Income and commitments share one timeline, with a clear state: overdue, today, or upcoming.
Hijri and Gregorian datesView dates in Hijri or Gregorian.
Smart recurring seriesSee the current occurrence without dozens of repeated rows.
One-step confirmationConfirm a receipt or payment and update the linked record in one step.
Privacy-conscious remindersThey remind you what needs action without unnecessary financial detail.
Change analysis
Every number is explainable.
Mujmal breaks your wealth change into its causes and reconciles them to the actual difference.
Additions to assetsWhat you added to your holdings.
Value movementPerformance or revaluation, separate from saving.
Cash flows and liabilitiesIncome, payments, and liability movement, separated.
Currency effect, isolatedFX impact stays separate, and history is not repriced at today's rate.
Capabilities
Built for a real financial life, not a tidy example.
Mujmal records your financial situation as it is, not as it is supposed to be.
An example of the rigour
Over your card limit? Mujmal says so, instead of raising the limit to make everything look fine.
Credit limit and used balance are separate facts. Mujmal records an over-limit state as it is and shows zero available instead of silently changing your data.
Illustrative
Credit limit30,000
Used balance34,200
Available0
Over limit by 4,200 — recorded, not blocking.
Diverse assets
Cash, investments, gold, property, vehicles, private businesses, and receivables.
Multi-currency
Each item keeps its currency, and history keeps the rate used at the time.
Liquidity and margin
Available liquidity stays separate from wealth that takes time to liquidate.
Zakat centre
An annual review with a wallet that tracks the amount due and recorded payments.
Lock and shielding
Device-authenticated lock and optional balance hiding.
Backup and restore
Backup and restore, with a data-consistency check.
Commitments
Four rules that shape how Mujmal works.
Every number has a source.
Balance changes are recorded as clear events; history is never silently rewritten to make a number fit.
What needs your decision today is never buried under a chart.
Overdue and due items come first; analysis and charts follow what needs your decision.
An estimate is called an estimate.
Projections show their assumptions, data coverage, and scenarios instead of presenting an estimate as fact.
The past is not erased.
Executed records remain, while recurring sources are stopped rather than deleting the context of what happened.
Privacy
Your financial data stays under your control.
No account and no banking credentials. You choose what to track, with data kept on your device and optional iCloud sync.
On your device firstApp data is managed on your iPhone, and it works fully offline.
iCloud is entirely optionalSync runs through your own Apple Account and only when you enable it — there is no Mujmal-owned server.
No ads, no data sellingYour financial values and asset names never appear in analytics, crash logs, or notifications.
Deletion is yoursIn-app tools let you manage your data and erase it permanently whenever you choose.
