Know what’s safe to spend.
Niqdah turns current balances, protected obligations, savings, and debt into one calm plan—so every dirham has a clear job.
Review first. You decide what becomes part of your financial history.
Illustrative plan
01 · Financial truth
A simple equation you can trust.
Expected income never pretends to be cash. Niqdah starts with balances you have now and shows what remains after the commitments you choose to protect.
02 · Evidence before history
See every import. Trust every balance.
Bank messages can be late, duplicated, or ambiguous. Niqdah keeps the evidence visible, separates event time from receipt time, and asks you to review the draft.
Explore product featuresCard purchase · AED 86.40
Account matched · Review complete
Internal transfer · AED 500.00
Two account sides reconciled
Account needs confirmation
Draft stays pending until the destination is clear
Review before save
Confirm amount, account, merchant, category, and event time.
Explain uncertainty
Balance confidence and inferred values are labelled instead of hidden.
Keep events distinct
Each savings transfer and debt repayment retains its own identity.
03 · Privacy by boundaries
Your data. Clear limits.
Niqdah says which service does what. The public build has no SMS permission. Email forwarding does not grant inbox access. AI actions stay behind your review.
See the privacy model04 · Build Week
Built in public. Tested against the real world.
Niqdah’s final Build Week architecture and production codebase were comprehensively re-engineered with Codex and GPT-5.6 Sol. The repository records the decisions, tests, limitations, and work still ahead.