Everyday budgeting, bills and savings, built around a comprehensive four-madhhab Zakat engine with auditable calculations instead of a one-size-fits-all formula.
BarakahFlow separates classical madhhab rulings from contemporary policy choices, applies the position you select, and records exactly what was included, excluded and deducted.
BarakahFlow states positions; it does not issue fatwa. For a binding ruling on your own situation, speak to a qualified scholar.
Zakat is due only once your wealth passes a threshold set by the value of gold or silver. Which metal you use changes the answer, because the two have drifted far apart.
The default is the lower of the two, which in practice means silver. That is the Hanafi rule for mixed holdings and what most charity bodies recommend: a lower threshold means more people qualify to pay.
You can switch to silver only, or to gold only for a higher threshold. Either way it is shown in your own currency with a progress bar, so if nothing is owed you can see why.
Days elapsed, days remaining, and the due date in both calendars: “12 Ramadan 1447”, not just a date in March.
It tracks the true lunar anniversary rather than a flat 354 days, which would drift by about a day a year. Paying your Zakat restarts the year from the day you paid.
Keep a lunar year and pay 2.5%. Anchor to a Gregorian date instead and the rate rises automatically to 2.577%, because a solar year is about eleven days longer.
The uplift keeps your lifetime obligation whole. Permitted by AAOIFI, the OIC Fiqh Academy and Kuwait’s Zakat House.
| Convention | Gold | Silver | Used by |
|---|---|---|---|
| AAOIFI / majority (default) | 85 g | 595 g | Most Islamic finance bodies worldwide |
| Classical Tola | 87.48 g | 612.36 g | South Asian Hanafi convention; Pakistan’s official notifications |
| MUIS Singapore | 86 g | 595 g | Singapore Fatwa Committee |
The spread between these conventions is about 2.8%: immaterial on a small holding, very material on a large one.
| Preset | Follows the positions of |
|---|---|
| Gulf / Arab states | AAOIFI · OIC Fiqh Academy · UAE Council for Fatwa |
| South Asia (Hanafi) | Classical Hanafi · Darul Uloom Deoband · Jamia Binoria |
| Singapore | MUIS · Singapore Fatwa Committee |
| Malaysia / Indonesia | PPZ-MAIWP · Lembaga Zakat Selangor · BAZNAS Indonesia |
| UK / Europe | National Zakat Foundation UK · ECFR · Islamic Relief |
| North America / Australia | FCNA · AMJA · National Zakat Foundation |
The app suggests a preset based on your currency. You can also answer each question individually.
Three places an ordinary calculator quietly gets the number wrong.
The threshold is a weight of metal, so it is only as good as the price behind it. BarakahFlow pulls live international spot prices in your own currency, refreshing every thirty seconds or so while the calculator is open.
You can override with a local price instead. If the feed goes down the app says so and timestamps the last known price, rather than passing off a stale number as current.
Gold is tracked at 24, 22, 21 and 18 karat, in grams or ounces. Each karat is valued at its own price, so only the pure gold content counts. Stones, settings and alloy are excluded.
You can also record how much of each karat you actually wear. That is what lets the Hanafi and majority positions on worn jewellery give different answers from the same holdings.
Most calculators let people deduct an entire mortgage balance and wipe out their Zakat. No school permits that.
For methods that recognize personal debt, short-term liabilities and long-term principal are kept separate. Mortgage relief can be none, one month, or twelve lunar months; the Shafi’i profile does not deduct personal debt from its mu’tamad base. Interest is never deductible.
Record any interest that has landed in your account and the app removes it from your wealth base entirely. It then says plainly that this is not your wealth, cannot be purified by paying Zakat on it, and must be given away separately.
Saving a calculation stores more than a number. It keeps the method you used, the metal prices at that moment, the exchange rates and their date, and the Hijri dates at both ends of your year.
A figure from three years ago can be reproduced exactly, and defended.
Cash, unspent salary, gold at four karats, silver by weight, shares and funds, business stock, retirement savings net of penalty and tax, rental income, money owed to you, and itemized debts. Add each coin, stablecoin, token and NFT separately with its purpose and value.
Built to be consistent with AAOIFI’s Sharia Standard on Zakah · the OIC International Islamic Fiqh Academy · the National Zakat Foundation (UK) · the Fiqh Council of North America · the Assembly of Muslim Jurists of America · MUIS Singapore · PPZ-MAIWP and Lembaga Zakat Selangor · BAZNAS Indonesia · and the classical positions of the Hanafi, Shafi’i, Maliki and Hanbali schools.
Explore the core screens that elevate everyday financial discipline into an organized, stress-free habit.
Check available cash across all accounts, track your monthly net cashflow, and see your consolidated net worth with live bullion market valuations.
Hanafi, Shafi'i, Maliki and Hanbali ruling layers are built natively into the engine, while AAOIFI and regional standards remain separate contemporary policy choices. Every line is auditable, with true lunar Hawl countdown and spot Nisab checks.
Sadaqah, Zakat Al-Mal, and family support are first-class citizens alongside utilities, dining, and income. Zero silent conversions, with native multi-currency support.
Set category spending limits with visual progress rings, stay ahead of upcoming utility bills with auto-rollover, and save for Hajj, Umrah, or emergency cushions.
Logging a small expense shouldn't take five taps and three menus. Type the amount, tap one of your top categories, pick your account, and you're done.
Income, spending, bills, budgets and savings, with the obligations of Islamic finance built into the same place rather than bolted on afterwards.
Balance, net worth, accounts, month spending, budget, bills, savings and investments. Ordered broadest to most specific, so the answer you need most often is the one you never have to hunt for.
Logging a small expense sits behind one button: type the amount, tap one of your six most-used categories, done. A “More details” link opens the full form when you need a date, a note or a different account.
A monthly amount per category and a single ring for the month. Islamic Giving gets its own heading: Zakat Al-Mal, Zakat Al-Fitr, Sadaqah, Hajj / Umrah and Eid Expenses, never blurred into one line.
Monthly, quarterly or annual, with a “last day of the month” option so a bill due on the 31st behaves correctly in February. Marking one paid records the expense, stamps the cycle and rolls the due date forward.
Hajj and Umrah are first-class goal types, not something filed under “travel”. Alongside Emergency, Education, Marriage, Home, Car and Other. Each gets its own progress ring and deadline countdown.
Cash across every account, gold valued per karat, silver by weight, investments at market value and business stock, in one figure split by a segmented bar. Each account has its own switches for net worth and Zakat.
US-listed stocks and ETFs at current market prices, converted into your display currency. Prices refresh nightly and again the moment you open the screen. Your portfolio flows into net worth and, if you want, into Zakat.
Gold at 24, 22, 21 and 18 karat and silver by weight, in grams or troy ounces. The app knows the difference between fifty grams of 24k bullion and fifty grams of 18k jewellery, and carries the worn-versus-investment split through to the ruling you follow.
Amounts are stored in the currency they actually moved in. Nothing is silently converted behind your back. Base currency anchors your figures; display currency is just how you’d like to read them today.
A reminder at 10am every Friday, taking you straight through to a pre-filled Sadaqah entry. No mainstream budgeting app will ever ship this, because charity isn’t a category their users organise their week around.
Encrypted in transit and at rest, with strict per-user isolation. Never sold, never shared with advertisers, and no ad tracking of any kind. Your most sensitive numbers are never stored in plain view on your device.
A finance app is only as good as the habit it builds. The reminders are deliberately few, and each one exists to prompt a specific action.
Reminders work on Android through the installed app, and on iPhone once BarakahFlow has been added to the Home Screen.
A Pakistani expat in Dubai sending money home, a British Muslim with family in Malaysia, a Gulf professional holding dollars. For a very large part of this audience, a single-currency app is simply the wrong shape.
Rates refresh daily and are cached on your device. The date they came from is shown, and staleness is flagged rather than hidden. For Zakat, conversion happens at the rate on your Zakat date, which is what lets a saved calculation be reproduced years later.
Free, with no subscription and no ads. Open the web app instantly in your browser, or download the Android APK to get started.
Clear answers on how BarakahFlow handles your financial data and religious obligations.
Zakat is the product, not a widget. A full rules engine sits at the centre of the app, with around fifteen genuinely contested questions each presented as an explicit choice that names the school or standards body it comes from. Islamic giving (Zakat Al-Mal, Zakat Al-Fitr, Sadaqah, Hajj and Umrah, Eid) has its own heading in the budget rather than being buried next to “miscellaneous”. Gold and multiple currencies are native to the ledger rather than bolted onto a single-currency one.
The Hanafi, Shafi’i, Maliki and Hanbali positions are all encoded and attributed. Where the Hanafi school holds that worn gold jewellery is zakatable and the majority exempt it, both options are offered side by side with their reasoning. Where the Hanafi school judges the year only at its start and end and the majority require wealth to stay above the threshold throughout, both are there. The app never quietly picks one for you.
You can start from one of six regional presets and adjust anything afterwards, or answer each question individually.
Nisab is drawn from live international gold and silver spot prices, refreshed roughly every thirty seconds while the calculator is open and shown in your own currency. The default threshold is the lower of the two metals, in practice silver, and you can switch to gold only or silver only. Three weight conventions are available: AAOIFI at 85g gold and 595g silver, the classical Tola convention at 87.48g and 612.36g, and MUIS Singapore at 86g and 595g.
Prices are international spot rates, not local jeweller retail prices, and the app says so on screen.
The countdown follows the true lunar anniversary resolved against the Islamic calendar, not a flat 354 days, and shows the due date in both the Gregorian and Hijri calendars. Paying your Zakat automatically restarts the year from the day of payment, as classical fiqh requires. If you prefer to anchor to a Gregorian year for accounting convenience, the rate is automatically raised to 2.577% so your lifetime obligation stays whole.
Not in full. BarakahFlow itemizes short-term and long-term debt instead of subtracting an entire mortgage balance. For methods that recognize personal debt, you record the outstanding principal and principal due within the year, then apply the configured relief: none, one month, or twelve lunar months. The Shafi’i profile does not deduct personal debt from its mu’tamad base, and interest is never deductible.
Your data is encrypted in transit and at rest, and Row Level Security enforces strict per-user isolation so no user of BarakahFlow can ever see another user’s data. It is never sold, never shared with advertisers, and never used for advertising or profiling of any kind. The most sensitive figures, including your income, metal weights, and Zakat inputs, are deliberately stripped out of the local cache on your device.
As the operator of the service, BarakahFlow’s infrastructure technically permits administrative access to stored data for maintenance, debugging and legal compliance. We do not look at individual users’ data except where it is necessary to fix a technical problem you have reported, or where the law requires it. This is standard across effectively every cloud-based financial app, including major banks. We state it plainly rather than hiding behind a claim that nobody can see your data. Full detail is in our Privacy Policy.
No. BarakahFlow states positions and tells you who holds them; it does not issue fatwa. For a binding ruling on your own situation the app tells you to speak to a qualified scholar. That restraint is exactly what makes the tool trustworthy to people who take the question seriously.
There is no advertising tracking, no ad networks, no third-party marketing pixels and no selling of data. What does run is Vercel Analytics & Speed Insights, and it is worth saying exactly what that is rather than hiding it behind the word “private”.
It measures technical performance: how quickly a page loads and renders on your device, which screens are slow, whether something errored, and rough device and browser class so we can tell a slow phone from a slow server. It is how we find out that, say, the Zakat screen is sluggish on older Androids before you have to tell us.
It uses no cookies and no fingerprinting, builds no profile of you, and is never joined to your account. It never sees a balance, a transaction, a metal weight or a Zakat figure. Those live behind your login and are not part of what it measures.
Separately, the app keeps a handful of anonymous counters, such as how many people finished setup. No personal information is attached to those either.
It’s free, with no subscription and no ads. It runs in any browser, as an installed Android app, and on iPhone once added to the Home Screen from Safari.
