Chontak vs Rizq Studio

Take full control of your personal finances with Chontak. - Track income & expenses — add daily transactions easily. - Organize spending by category, wallet, or cost center. - Manage debts — record money you borrowed or lent. - Get smart financial insights to save more and spend wisely. Start building better money habits today!

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.