Rafiq: Islamic Finance OS

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 [email protected]