Best Islamic Finance Apps in 2026

The State of Islamic Finance Apps

A few years ago, if you wanted to invest halal, you had limited options — a handful of managed funds with high fees and little transparency. Today, the ecosystem looks completely different. There are dedicated apps for halal stock screening, robo-advisors with Sharia-supervised portfolios, zakat calculators, and even halal banking apps.

Here's an honest look at the best options in 2026, organized by what they do.

Best for Stock Screening

1. Zoya — Best Overall Screener

Zoya is the best halal stock screening app available, full stop. It covers thousands of US and international stocks, gives you a clear halal/haram/doubtful verdict, breaks down why, and even calculates your purification amount automatically. The UI is clean and genuinely pleasant to use.

• Coverage: 4,000+ US stocks, growing international coverage
• Methodology: Uses AAOIFI standards; transparent about how screens are applied
• Purification tracking: Calculates exact purification amount per position
• Price: Free for 10 screens/month; $9.99/month for unlimited
• Rating: ⭐⭐⭐⭐⭐

2. Musaffa — Best for Research Depth

Musaffa goes deeper than Zoya on the research side, providing detailed financial reports for each screened stock including historical ratio trends. It's more of a research platform than a consumer app — better for serious investors who want to dig into the numbers.

• Coverage: 50,000+ global stocks
• Methodology: AAOIFI-based with detailed ratio breakdowns
• Price: Free basic; Premium from $14.99/month
• Rating: ⭐⭐⭐⭐

Best for Halal Investing

3. Wahed Invest — Best Halal Robo-Advisor

Wahed is the world's first fully halal robo-advisor. You answer a few questions about your risk tolerance, and Wahed builds you a diversified, Sharia-compliant portfolio across stocks, sukuk, and gold. It's Sharia-supervised by a board of qualified scholars.

• Available in: US, UK, Malaysia, Singapore, UAE, and more
• Minimum investment: $100
• Fee: 0.49% annually (very competitive)
• Best for: Passive investors who want a set-it-and-forget-it halal portfolio
• Rating: ⭐⭐⭐⭐⭐

4. Sarwa — Best for MENA Region

Sarwa is a UAE-based robo-advisor with both conventional and Sharia-compliant portfolios. The Islamic portfolio is supervised by a Sharia board and invests in halal ETFs. It's popular in the Gulf and has strong customer service.

• Available in: UAE, Saudi Arabia, and MENA region
• Minimum: $500
• Fee: 0.85% annually
• Rating: ⭐⭐⭐⭐

5. Cur8 Capital — Best for Alternatives

Cur8 (formerly Yielders) focuses on Sharia-compliant property and alternative investments in the UK. If you want halal real estate exposure without the hassle of buying property directly, Cur8 is worth looking at.

• Available in: UK
• Best for: Real estate and alternative halal investments
• Rating: ⭐⭐⭐⭐

Best for Zakat Calculation

6. Zoya (Zakat Feature)

Zoya added a zakat calculator that accounts for your investment holdings, calculates the zakatable value, and tracks whether you've reached nisab. This removes the complexity of figuring out how much zakat is due on a diversified portfolio.

7. National Zakat Foundation App

Available in the UK and US, the NZF app provides comprehensive zakat calculation tools and allows you to pay your zakat directly to verified recipients. It's free and well-maintained.

Best for Islamic Banking

8. Nomo — Islamic Digital Banking

Nomo is a UK-based digital bank with Sharia-compliant accounts — no interest on savings, profit-sharing instead. Good option if you want a bank account that aligns with your beliefs without going to a traditional Islamic bank.

9. Meem by Gulf International Bank

For Middle East users, Meem offers fully Sharia-compliant digital banking including savings and financing products.

Our Top Recommendation Stack

For a Muslim investor getting started, here's the most efficient setup:

1. Zoya — for stock screening and purification tracking
2. Wahed Invest — for your core halal portfolio (passive)
3. Musaffa — when you want deep research on specific stocks
4. Zoya's zakat tool — for annual zakat calculation

Bottom Line

The Islamic finance app ecosystem has matured enormously. You no longer need to pay high fees for opaque halal funds or do manual spreadsheet calculations to screen stocks. These tools put professional-grade Sharia analysis in your pocket, free or at minimal cost.