Rawateb vs urpay

Know exactly when your salary arrives — and where every riyal goes. Rawateb is the all-in-one salary countdown and financial planning app built for employees in Saudi Arabia. Track payday in Gregorian & Hijri, manage your budget, and take control of your finances. SALARY COUNTDOWN • Visual countdown rings showing days until your next salary • Net salary display with GOSI deduction calculated automatically • Citizen Account (حساب المواطن) deposit countdown • Home screen widgets so you always know at a glance FUTURE SALARY CALENDAR • See all upcoming salary dates in both Gregorian and Hijri (Umm Al-Qura) • Schedule salary reminders — from 24 hours to 3 weeks before payday • Never be caught off guard again PAYDAY FINANCIAL SUMMARY • See your net free cash after all deductions at a glance • Breakdown of GOSI, bills, savings clubs, and goals • Know exactly what's left to spend each month PREMIUM FINANCIAL TOOLS: 1. SAVINGS CLUBS (جمعيات) • Create and manage rotating savings groups (Jamiyyat) • Track payments, turns, and progress • Synced across devices with iCloud 2. BUDGET TRACKER • Log income and expenses with monthly summaries • Category breakdowns to see where your money goes 3. SAVINGS GOALS • Set targets and track your progress • Add or withdraw funds as you go 4. OBLIGATIONS & BILLS • Track recurring monthly payments — rent, loans, subscriptions • Set reminders so you never miss a due date 5. AI SALARY COACH • Personalized financial tips based on your salary and spending • Guidance on housing costs, emergency fund, debt-to-income ratio, GOSI ceiling, Zakat reminders, and more 6. FAMILY FINANCIAL HUB • Manage household finances together • Track family members' salaries and shared obligations • Set shared financial goals 7. ZAKAT CALCULATOR • Calculate your Zakat based on Nisab and multiple asset types • Track past calculations and payments 8. SALARY BREAKDOWN • Detailed net salary calculator with GOSI deductions • Supports government, private sector, and military employees • See employer contribution alongside your take-home pay 9. FINANCIAL INSIGHTS • Monthly spending trends and category analysis • Savings progress tracking and wealth snapshots 10. EXPORT • Download your financial data as PDF or CSV 11. MAKE IT YOURS • Choose your theme colors and dark/light mode • Pick from multiple app icon designs • Share beautiful salary countdown cards with friends • Full Arabic and English support with localized numerals and dates Start your free salary countdown today. Upgrade to Premium to unlock the full financial toolkit.

With urpay, you can manage all your financial needs from one app. Pay, transfer, save, pay your bills, earn rewards, and send money internationally with ease. The app also lets you issue virtual and physical cards, while the urpay Kids Band provides a safe and convenient way for your children to make payments—giving you a complete financial experience tailored to your everyday needs. Key Features: - Instant transfers - International transfers - Bill payments - Digital wallet - Cashback and rewards - Virtual and physical cards - urpay Kids Band - Secure payments - Bill splitting Download urpay today and discover a smarter way to manage your money with financial services designed to fit your everyday life.