# Rafiq: Islamic Finance OS — Zakat, Halal Stocks, Spending

> AI-powered Islamic personal finance manager for Zakat, Halal stocks, and budgeting. (iPhone/iPad app by Rai Khan.)

- Source: https://appshunter.io/ios/app/rafiq-islamic-finance-os/id6757416672 (this page in markdown: same URL + `.md`)
- Developer: [Rai Khan](https://appshunter.io/developer/1866799421)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 3.75/5 from 4 App Store ratings
- Age rating: 17+
- Requires: iOS 17.0 · 40 MB
- Languages: English
- Released: 2026-02-19
- Data updated: 2026-06-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/rafiq-islamic-finance-os/id6757416672/reviews.md

## What is Rafiq?

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 salam@rafiq.money

## Key features

- AI-powered Zakat and Khums calculation
- Halal stock screening with AAOIFI standards
- Support for five schools of jurisprudence
- Budgeting and spending insights
- Net worth tracking
- Bank account connectivity via Plaid

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Rafiq - Premium | $9.99 | per month |
| Rafiq - Premium | $99.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Rafiq - Premium | $9.99 | one-time |
| Rafiq - Premium | $99.99 | one-time |



## Frequently asked questions about Rafiq

### How does Rafiq calculate Zakat and Khums?

Rafiq calculates Zakat and Khums across all five schools of jurisprudence, including modern assets like cryptocurrency and real estate. It provides clear explanations for each calculation, adapting to your specific situation and madhab.

### Can Rafiq screen stocks for Shariah compliance?

Yes, Rafiq screens any stock for Shariah compliance using AAOIFI standards. It offers a detailed breakdown of debt ratios, interest income, business activity, a compliance score, and purification guidance with real-time data.

### What schools of thought does Rafiq support?

Rafiq supports all five major schools of thought: Hanafi, Shafi'i, Maliki, Hanbali, and Ja'fari, including full Khums support for the Ja'fari community.

### How secure is my financial data with Rafiq?

Rafiq uses bank-level security through Plaid for account connections and encrypts your financial data. The app states it never sells user data.

### Does Rafiq have ads?

No, Rafiq does not have advertisements. It is a free application focused on providing financial tools without ad interruptions.

### What devices is Rafiq available on?

Rafiq is available on iPhone and iPad devices.

### How often is Rafiq updated?

The latest version of Rafiq is 1.5.1, which was last updated on April 17, 2026. Updates typically include new features and improvements.

### What is the age rating for Rafiq?

Rafiq has an age rating of 17+, indicating it is intended for mature users due to the complexity of financial management and Islamic jurisprudence.

## Version history (last 4 releases)

### 1.5.1 — 2026-04-17

Streamlined Onboarding

### 1.4 — 2026-03-04

Streamlined Zakat Calculation for Retirement Accounts, UI Improvements

### 1.1 — 2026-02-20

401(k) fixes, UI improvements, and streamlined Zakat features.

### 1.0 — 2026-02-20

No release notes.

## Related topics

[rafiq](https://appshunter.io/ios/topics/rafiq) · [halal stock](https://appshunter.io/ios/topics/halal-stock) · [islamic finance](https://appshunter.io/ios/topics/islamic-finance)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-26.*