Rawateb vs tiqmo

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.

TIQMO is a financial lifestyle digital app designed to revolutionize your financial experience. Seamlessly blending speed, convenience, and security, TIQMO offers a comprehensive range of financial services tailored to meet your every need in the Kingdom of Saudi Arabia. Effortlessly manage your finances with TIQMO's array of cutting-edge features. Discover the freedom of choice with our digital and physical prepaid Mastercard options. Whether it's the Standard Mada Mastercard or the Platinum Mastercard with competitive cashback offers, TIQMO's prepaid cards empower you to make local and international payments, indulge in online purchases, and breeze through POS transactions. Need cash on the go? Our physical prepaid cards let you withdraw funds hassle-free from ATMs. Say goodbye to the complexities of international money transfers. With TIQMO, sending and receiving money globally is a breeze. Seamlessly transfer funds to other wallets or IBAN accounts with remarkable ease. You can even opt for cash pick-up at our partner locations, ensuring your loved ones can access the money wherever they may be. Leave the hassles of bill payments behind. TIQMO simplifies the process, allowing you to settle international bills conveniently and securely. With just a few clicks, effortlessly manage your local bill payments through our seamless integration with SADAD. Take control of your financial well-being with TIQMO's intuitive interface. Gain valuable insights into your spending habits, effortlessly track your budget, and make informed financial decisions like never before. TIQMO's user-friendly platform ensures your financial goals are within reach. Step into a world of endless possibilities with TIQMO's integrated marketplace. Access a wide range of local and international mobile recharge products and e-vouchers for gaming and popular stores. Enjoy the convenience of making purchases right within the app, unlocking a world of possibilities at your fingertips. TIQMO takes the hassle out of local money transfers within the Kingdom of Saudi Arabia. Effortlessly send money to friends, family, or businesses, and experience the seamless transaction process that sets TIQMO apart. At TIQMO, we are committed to transforming the way you engage with your finances. Our mission is to provide innovative financial solutions that empower you to embrace a digital financial lifestyle. Join us on this exciting journey and experience the future of finance with TIQMO – where convenience, security, and limitless possibilities await you. Discover the power of TIQMO app and embark on a financial journey like no other.