Your money, in a dependable order.
Niqdah separates cash you have, money you protect, commitments you are making, and history you have reviewed. The result is a plan you can inspect—not a mystery score.
One financial hierarchy.
A balance is not income. A transfer is not spending. A pending import is not a saved transaction. Niqdah preserves those boundaries from calculation to interface.
- 1
Available balance
Money currently present in accounts you include in spendable cash.
- 2
Protected obligations
Necessary unpaid commitments you have chosen to reserve.
- 3
Safe to spend
What remains after balance-grounded protection and plan commitments.
- 4
Savings
Contributions tracked as distinct events toward named goals.
- 5
Debt
Repayments tracked separately from the remaining debt obligation.
- 6
Accounts
Bank, masked identity, purpose, balance confidence, and provenance.
- 7
Reviewed imports
Pending evidence that becomes history only after your decision.
What exists today.
Status labels distinguish shipped app behavior, private-build capabilities, preview infrastructure, and future work.
Available now
Grounded in current balances from accounts explicitly included in spendable cash.
AvailableSafe to spend
Current spendable cash minus protected unpaid obligations, savings, and debt commitments.
AvailableSavings and debt
Separate contribution and repayment histories preserve each financial event.
AvailableMultiple banks and accounts
Accounts keep bank, masked identity, purpose, balance confidence, and update provenance.
AvailableManual bank-message import
Paste a bank alert, inspect an editable draft, then decide whether to save it.
AvailableAutomated email import
The backend and Android setup flow are implemented; live provider/domain integration still requires deployment verification.
PreviewAutomatic SMS capture
Opt-in new-message capture using RECEIVE_SMS, excluded from the public build.
Private buildAI Chat
Firebase-authenticated guidance through a server-side OpenAI integration with reviewed actions.
Available