Hisab: UAE Debt Coach & AI

You're not bad with money. The system just wasn't built for you. Hisab is the debt companion built for UAE expats. Track every debt, see what to pay first, understand your AECB credit report, and take action — with an AI assistant that knows what a travel ban risk is, what a bank's remediation department does, and when your salary lands. PRIVATE BY DESIGN • Your debts, documents, and score live on YOUR phone — not our servers • No account needed to start. No email. No phone number. • Delete everything, any time, in one tap KNOW WHERE YOU STAND • All debts in one calm ledger — cards, loans, BNPL, rent, friends & family • Hisab Score — an honest read of your debt pressure, computed on-device • Salary-aware cash flow: what to pay before and after payday AI THAT DOES THE WORK • Scan bank letters and statements — AI extracts the details • Import your AECB report for a sharper plan • Draft negotiation emails to your bank in English or Arabic • Ask anything: payoff order, settlement plans, what happens if you miss IN YOUR LANGUAGE • English, العربية, हिंदी, اردو — right to left done right Hisab is free to use. No ads. We never sell your data. Your records stay on your device; when you use AI features, only what's needed is sent securely for processing and isn't stored by us. Debt in the UAE feels like a secret you carry alone. It doesn't have to be.