Now
What needs your attention today, in the fewest possible steps.
- Overdue and due-today income and commitments
- The next occurrence of each recurring series
- Values that need confirmation or updating
- Fast confirmation of receipt or payment
iPhone app · Coming soon to the App Store
Everything you own and owe,
Everything you own and owe,
in one clear view.
Mujmal brings your assets, liabilities, income, and financial dates into one explainable picture — so you know what you hold today, what you owe, what is arriving, and why your net worth moved.
No bank connections
No account, no sign-up
Arabic & English, full RTL
Asset change
Broken down by cause
Due today
Before any secondary insight
01
What do I hold now?
Cash, investments, and physical assets at their current values, each with its valuation date.
02
What do I owe?
Instalments, recurring commitments, and credit cards with their real due dates.
03
What will I receive?
Salary, recurring income, and receivables — and where each amount lands.
04
Why did my wealth change?
Analysis that separates additions, value movement, cash flows, liabilities, and currency effects.
Experience model
Two layers only: Now, and the full picture.
The next action appears before any secondary insight. Once it is handled, you move to the layer that explains your numbers.
The full picture
What your numbers mean, and where the movement came from.
- Net worth, assets, liabilities, and liquidity
- Change analysis separated into its causes
- A historical chart with real observation points and data freshness
- A transparent year-end estimate with conservative, base, and optimistic scenarios
Money schedule
Everything ahead of you on one timeline.
Income and commitments do not live on two separate screens. The money schedule merges them into a single chronological view, with a clear state for every item: overdue, today, or upcoming.
- Hijri and Gregorian datesDates are shown in the calendar you actually work with.
- Smart recurring seriesA rolling commitment shows only its current occurrence instead of flooding the list.
- One-step confirmationConfirming a receipt or payment updates the balance and the liability together, in a single transaction.
- Reminders without exposing amountsNotifications remind you of the date without putting your financial values on the lock screen.
Change analysis
Every number is explainable.
A rise or fall in your wealth is not a mysterious number. Mujmal separates the change into its causes and reconciles the parts to the total — no hidden estimates, no numbers you cannot trace.
- Additions to assetsWhat genuinely entered your holdings during the period.
- Value movementInvestment performance or revaluation, kept separate from saving.
- Cash flows and liabilitiesIncome received, payments made, and liability movement — each on its own line.
- Currency effect, isolatedFX movement is not blended into your real performance, and historical charts are never recalculated at today's rate.
Capabilities
Built for a real financial life, not a tidy example.
Multiple currencies, illiquid assets, credit cards, irregular income, and long-term commitments are part of the model, not exceptions to it.
Diverse assets
Cash accounts, investment portfolios, gold, property, vehicles, private business value, and money owed to you.
Cards and financing
The credit limit and the used balance are independent facts: Mujmal never quietly raises your limit to make the state look valid.
Multi-currency
Every item keeps its original currency while you choose the display currency. Each snapshot preserves the rate used and its date.
Liquidity and margin
Not everything you own is spendable. Mujmal separates usable liquidity from wealth locked in illiquid assets.
Zakat centre
An annual review of what enters the calculation, a preserved history of past reviews, and outstanding Zakat tracked in the same system.
Lock and shielding
App lock with device authentication, plus a privacy cover that hides content when you switch apps.
Product principles
The rules Mujmal does not bend.
01
Every number is explainable
Any balance movement produces one clear financial event. Entering a new balance is recorded as an explicit adjustment; it never silently erases your history.
02
Action before analysis
What needs your decision today comes first. Charts and analysis follow once you can see what has to be done.
03
Estimates are labelled
A forecast is presented as an estimate with its assumptions and data coverage — never as settled fact.
04
History is preserved
Executed records stay. A recurring source is stopped rather than deleted, so you never lose the context of what happened.
Privacy
Your financial data
Your financial data
stays under your control.
Mujmal does not start from “connect every account.” No account, no email, no OTP, no banking credentials. You add what you want to track, and your data stays on your device with optional iCloud sync under your own settings.
- 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.
Who it is for
For people building wealth — not counting coffee receipts.
If your money is spread across three or more places, you are in the right place.
Salaried professionalSteady salary with instalments, cards, and recurring costs.
InvestorA portfolio plus gold, property, vehicles, and business value.
Family finance managerResponsible for a picture wider than a personal account.
FreelancerIrregular income and receivables waiting to be collected.
ExpatriateAssets and liabilities across more than one currency and country.
Not a daily expense tracker
Not a trading terminal
Not an investment adviser
Not a bank-aggregation product
Common questions
Before you try Mujmal.
Do I need to connect my bank account?
No. Mujmal works from information you enter yourself: balances, valuations, and dates. It never asks for banking usernames, passwords, or IBANs.
Does Mujmal track every purchase I make?
No. Mujmal tracks current balances and valuations, not every daily transaction. The idea is a calm financial review, not receipt entry.
Where is my data stored?
On your device. If you enable iCloud sync in the app, it runs through your own Apple Account under your settings. There is no Mujmal-owned server holding your numbers.
Does it support more than one currency?
Yes. Each asset or liability keeps its original currency while you pick the display currency. The rates used and their dates are shown, and history is never recalculated at today's rate.
Does Mujmal give investment advice?
No. Mujmal is a personal organisation and interpretation tool. Its estimates and reference data are not financial or investment recommendations, and reference prices are not guaranteed tradable prices.
What are the requirements?
An iPhone running iOS 18 or later. Mujmal is a native SwiftUI app, launching on iPhone first.
More clarity. Less noise.
Mujmal is preparing for launch on the App Store for iPhone. If you have a question or a note before launch, we read every message.
iOS 18 or later · Arabic & English · No ads