Khazneh خزنة - Wealth Tracker

Your wealth deserves a treasury.

The Khazneh of Petra stood for 2,000 years — a symbol of Jordanian craftsmanship and enduring wealth. This app carries that name as a promise: your financial life, organized and growing, in the palm of your hand. Built by Jordanians, for Jordanians. In Arabic and English.

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KHAZNEH ADVISOR
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Your personal financial advisor, powered by AI.

Khazneh Advisor knows your accounts, transactions, spending, and goals — then answers your questions in Arabic or English:

• "How long until I'm debt-free at my current rate?"
• "Am I on track to pay my Zakat this year?"
• "What's my real take-home if I take this job offer?"
• "Where is my money actually going?"

Trained on Jordanian tax law, Islamic finance, and your live data. Not generic advice — your numbers, your situation.

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JORDANIAN CALCULATORS
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A complete legal toolkit found nowhere else in a single app:

• Net Salary — income tax (2024 law) + social security (7.5%, cap 375 JOD), with exemptions
• SSC Pension — estimate your pension by age, gender, joining year, and contribution months
• Rent vs. Buy — cost comparison with appreciation, inflation, and maintenance
• Musaqafat — property tax with vacancy and early-payment discounts
• Tnazol — transfer fees for property and vehicles including family transfers

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ISLAMIC FINANCE
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• Zakat — annual obligation on cash, gold, silver, and savings based on current nisab
• Mirath — estate distribution under Ilm al-Fara'id with automatic Awl, Radd, and Hijab detection
• Islamic Loans — Murabaha, Ijara, or Qard Hasan. Payoff Simulator with Ibra' for early repayment savings

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AI TOOLS
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• Receipt Scanner — AI reads merchant, amount, and date automatically
• SMS Auto-Import — Arab Bank, Bank Al Etihad, Cairo Amman, Jordan Ahli alerts imported in one tap
• Smart Categorization — Jordanian merchant patterns recognized in real time

Sensitive identifiers (IBAN, card numbers) scrubbed before data leaves your device.

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ACCOUNTS & NET WORTH
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Bank accounts, cash, savings, gold, and silver — converted to JOD using live rates and JJSJO gold prices. Full history charts track your wealth over time.

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FINANCIAL HEALTH SCORE
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A 0–100 composite across four pillars: savings rate, debt-to-income, emergency fund, and net worth trend. Know where you stand — and what to fix.

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BUDGET & GOALS
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• Budget Planner — Daily/monthly limits by category or overall. Real-time tracking and automatic reset.
• Goals & Savings — Set a target amount and deadline with month-by-month progress breakdown.

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REPORTS & ESSENTIALS
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• Reports — PDF covering net worth, cash flow, and spending. (Summary for Free; Full for Pro).
• CliQ Directory — Bank and merchant transfer codes instantly.
• Security & Offline — Works without internet. Biometric lock with balance masking.

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KHAZNEH PRO
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Core features are free. Upgrade to unlock everything:

• 20 Khazneh Advisor questions/day (3 free)
• Unlimited accounts (4 free)
• Full transaction history (30 days free)
• Complete net worth history (6 months free)
• Unlimited budgets & goals (2/3 free)
• Full 4-pillar Health Score breakdown
• Unlimited AI scans (5/day free)
• SMS auto-import & Payoff Simulator
• Comprehensive PDF report

4 JOD / month · 29 JOD / year · Lifetime plan available
Cancel any time. No ads.