Back to deals
Rafiq: Islamic Finance OS

Finance

Free

Rafiq: Islamic Finance OS

by Rai Khan

3.8 (4) v1.5.1 40 MB Universal 17+

Description

Rafiq is the first AI-native Islamic personal finance OS for Muslims. It brings together everything Muslim professionals need to manage money according to their values — no more juggling five apps and a spreadsheet.
Zakat & Khums Made Simple
Calculate your charitable obligations across all five schools of jurisprudence — Hanafi, Shafi'i, Maliki, Hanbali, and Ja'fari. Rafiq handles the complexity of modern assets like RSUs, cryptocurrency, 401(k)s, and real estate so you don't have to. Every calculation comes with clear explanations of the reasoning behind it, not just a number.
Halal Stock Screening
Screen any stock for Shariah compliance using AAOIFI standards. Get a detailed breakdown of debt ratios, interest income, and business activity — plus a compliance score and purification guidance. Real-time data means your screening is always current.
AI-Powered Guidance
Islamic finance is like a tax code with five valid interpretations. Rule-based calculators break down with complex portfolios. Rafiq's AI reasons through your specific situation and madhab, explaining why an asset is or isn't zakatable in plain language.
All-in-One Financial Companion

Budgeting and spending insights
Net worth tracking across all accounts
Bank account connectivity via Plaid
Smart transaction categorization
Personalized financial coaching aligned with Islamic values

Built for Every Muslim
Rafiq is the only platform that supports all five major schools of thought, including full khums support for the Ja'fari community. Whether you follow Hanafi, Shafi'i, Maliki, Hanbali, or Ja'fari fiqh, Rafiq adapts to your practice.
Your Trusted Companion, Not a Judge
Rafiq meets you where you are. No lectures, no guilt — just clear guidance to help you align your finances with your faith. Think of it as the knowledgeable friend you wish you had for every zakat season.
Privacy & Security
Your financial data is encrypted and secure. Rafiq uses bank-level security through Plaid for account connections and never sells your data.

Questions or feedback? Reach us at salam@rafiq.money

What's new (v1.5.1)

Streamlined Onboarding