Nooqoodi (نقودي — "my money") is the UAE's first personal finance OS built specifically for AED-first lives. Budget, track debts, manage Islamic finance, and grow your wealth — beautifully.
Monthly, annual, 5-year and 10-year budget views with category hierarchies, bulk CSV upload, and vs-actual tracking.
FREE TIERTrack every loan with Daily Actual/365 amortisation. Conventional and Islamic finance structures. Full payoff timeline.
PROSet targets, choose contribution frequency, see the exact month you'll reach your goal. Auto-creates reminders.
FREE TIERFull-year income vs expense charts, category breakdowns, month-by-month trends, and savings rate analysis.
PRO6-pillar scoring system covering savings rate, debt load, emergency fund, investment ratio, and more.
PRO6-month forward projection based on your budget. Running balance chart shows exactly when you'll run short.
PROIFRS-compliant balance sheet and trial balance. Current vs non-current liabilities split per IAS 1.69.
FREE TIER5 calculators — Personal, Mortgage, Car, Compare, and Savings Goal. Bidirectional field solver with lock buttons.
FREE TIERTrack every recurring payment. Smart reminders with starting date anchor and schedule preview for 3 occurrences.
FREE TIERCost-plus fixed profit. Selling price back-calculates profit rate. Equal instalments, zero compounding.
Lease-to-own with daily Actual/365 rental schedule. Asset stays with bank until final payment.
Co-ownership with decreasing payments. Bank's rental income reduces as your equity grows.
Commodity Murabaha. Identical payment structure, widely used for UAE personal finance.
Zero-cost charitable loan. Equal principal instalments, zero profit. Permissible in Islam.
All calculations in AED. Multi-currency support with live rate conversion — USD, EUR, SAR, QAR and more.
Pre-built UAE bill categories. Smart reminders know when your DEWA bill is due even on a quarterly cycle.
UAE Federal Decree Law 33 of 2021. Calculates exactly what you're owed based on unlimited/limited contract and resignation vs termination.
Manage remittances, track savings in multiple currencies, plan repatriation funds — all in one place.
Desktop, tablet, mobile — fully responsive. No app download required. Access from any browser, any device.
AES-256 encryption at rest. TLS 1.3 in transit. Row-level security — your data is mathematically isolated from other users.
14-day free trial on all paid plans. No credit card required.
Your transactions, budgets, debts, goals — everything moves to the cloud.
Join UAE professionals who track every dirham, plan every goal, and build real wealth with Nooqoodi.
14-day trial · Cancel anytime · Your data stays yours