Phi vs Rizq Studio

Looking for a reliable way to buy physical gold and protect your savings from inflation? Phi Wallet provides a convenient way to save in physical gold and have instant access to your gold at any time, from almost every corner of the world! Whether you’re looking to save money for the security of your children’s future, to plan for your own retirement or just a safe long-term investment, Phi Wallet is the way to go. Investing in physical gold used to require big safes, handcuffed briefcases, and even bodyguards or armored vehicles to ensure secure storage and transportation. In the end, this is Gold, and it’s worth all the effort. With Phi Wallet's blockchain-based wallet your gold is stored in a state of the art secure vault, and you have instant access to your wallet any time, so you can buy and sell physical gold with just a few clicks on your phone. You can deposit money, purchase physical gold in seconds, and even have it shipped to your doorstep, as simple as that! Phi Wallet offers 24K, 999.9 purity physical gold that's LBMA certified and internationally recognized. You have complete control over your assets with no minimum purchase required, giving you the freedom to secure and grow your wealth on your terms. With Phi Wallet, you can easily and securely buy physical gold to protect your money value from inflation. When you use Phi Wallet to buy physical gold, you get: - 24K, 999.9 purity physical gold that's LBMA certified and internationally recognized. - No minimum buy or sell amount, so you always have access to gold no matter your budget. - Complete control over your assets, with no queuing or long waiting times to buy, sell or transfer your gold. - Secure storage of your gold, with access to it anywhere in the world at your fingertips. - Instantly sell your gold for cash if you like to! Don't wait to start securing your wealth with physical gold. Download Phi Wallet app today and experience the convenience and security of buying gold like never before! . Get started with Phi in 3 easy steps 1. Download the app & create your account 2. Verify your identity Verify your identity by going through our KYC process. 3. Make a deposit Make a deposit to your Phi account using your EUR bank account. (USD available soon) All set to go rocket! You're all set to start building your wealth!

Rizq Studio is a comprehensive personal finance app designed for individuals and families who want to take control of their money — and align it with their values. HOUSEHOLD FINANCIAL PLANNING Create profiles for every earner in your household. Each profile tracks income, taxes, 401(k) contributions, expenses, and net worth independently — then combines everything into a unified household view. ACCURATE TAX CALCULATIONS See your real take-home pay with federal and state tax calculations for all 50 US states plus DC. Includes FICA, Social Security, Medicare, traditional 401(k) pre-tax deductions, and Section 125 health insurance premiums. 10-YEAR FINANCIAL PROJECTIONS Visualize your financial future with a month-by-month timeline spanning 120 months. See projected net worth, cumulative savings, and when you'll hit your goals — all based on your actual income and spending. SMART EXPENSE TRACKING Categorize expenses by type, set frequencies, and see exactly where your money goes. The dashboard breaks down spending by category and alerts you when you're over budget. FINANCIAL GOALS Set targets for emergency funds, home purchases, retirement, education, or any custom goal. Track progress and see projected completion dates on your timeline. RISK SCORE Get a personalized financial health score from 0 to 100 based on four key factors: savings rate, debt burden, emergency fund coverage, and income stability. Actionable recommendations help you improve. FINANCIAL SIMULATORS Run what-if scenarios before making decisions: • Spending Impact — see how a new expense affects your 10-year outlook • Side Hustle — model additional income streams • Pay Off vs. Invest — compare debt payoff against investing returns • Goal Timeline — adjust savings rates to hit targets sooner CASH FLOW CALENDAR See upcoming paydays, bill due dates, and goal milestones on a unified calendar. Know exactly when money comes in and goes out. ISLAMIC FINANCE TOOLS For Muslim users, Rizq Studio includes a suite of faith-aligned features: • Zakat Calculator — computes obligation based on nisab (gold or silver), with Sunni and Shia support • Halal 401(k) Guide — AAOIFI-based fund screening for employer retirement plans, with purification calculations • Barakah Score — measures financial alignment with Maqasid al-Shariah principles • Rizq Framework — giving analysis, riba-free tracking, and Islamic goal monitoring PRINCIPLES-BASED FINANCE Declare the values that shape your financial life: • Debt Free — get alerts when spending exceeds income • Religious Commitment — track obligations for 11 faith traditions with scholarly citations • Family Guardian — household leadership dashboard with consolidated alerts PRIVACY FIRST Your data stays on your device, protected by AES-256 encryption. Sign in with Apple for secure, anonymous authentication. No ads. No data selling. No third-party analytics. iCLOUD SYNC Seamlessly sync your financial data across all your Apple devices with CloudKit. Your data remains encrypted and under your control. WIDGETS Stay on top of your finances with home screen widgets: • Payday Countdown — days until your next paycheck • Upcoming Events — bills, goals, and paydays at a glance • Quick Expense — log spending without opening the app Rizq Studio is built for anyone who wants clarity and intention in their financial life — whether you're a single professional, a growing family, or someone seeking to align wealth with faith.