اقتصادى vs Mahfazati

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Mahfazati tracks a personal investment portfolio and calculates its zakat on the hijri calendar — for the Muslim investor who wants a figure they can trust, not an estimate made in the last week of Ramadan. ZAKAT ON THE HIJRI CALENDAR • A separate hawl for each holding, not one hawl for the whole portfolio. • A zakatable ratio you set per holding — a fund is not a property. • The zakat rate and the length of the hawl are both adjustable; the due date is computed on the hijri calendar and shows how long is left. • Record what you have paid, and override any holding with a manual figure when you need to. • The app shows how it reached the number: tap "How is this computed?" and you see the formula, not just the result. YOUR PORTFOLIO • Portfolio value, capital and annualised return at a glance. • Portfolio trend on two lines: value, and performance alone with no deposits or withdrawals — so you know which one moved the number. • "Why did it move?" separates what you put in from what you earned, so a deposit is never counted as a gain. • Actual return and time-weighted annualised return (XIRR) from your own entries. • Allocation across asset classes, and return compared with the risk you recorded for each holding. DISTRIBUTIONS • Expected annual income and blended yield. • Expected distribution dates as you enter them, with a warning for anything behind schedule. • Record a distribution and where it went: reinvested, paid to your account, or directed into another holding. YOUR FILE IS YOURS • Import and export Excel at any time — one structure that both you and the app can read. • What you enter on the phone is stored in the iCloud container of your own Apple account, not in an account with us. • Close a year, transfer between holdings, close a holding and reopen it. MANUAL ENTRY — STATED PLAINLY The app does not connect to a broker and does not fetch live prices. You enter your values and movements, and it does the arithmetic. This is a choice, not a gap: a portfolio holding private funds, crowdfunding and property cannot be read automatically from any platform. YOUR DATA IS YOURS • No accounts and no sign-in. • We run no servers and no databases — we hold no copy of your portfolio. • No analytics, no cookies, no ads, no third-party sharing. • We do not know who uses the app. Available in Arabic and English, laid out right-to-left or left-to-right to match your language. USE AND PRICING Free for up to 5 holdings with no time limit — including the hawl date and zakatable ratio settings, so the zakat figure is correct. A subscription unlocks unlimited holdings, recording zakat payments, Excel export, year-end close and sharing. SUBSCRIPTION • Mahfazati — Annual: USD 34.99 (SAR 149.99) per year. • Mahfazati — Monthly: USD 9.99 per month. • The price shown at purchase is in your store's currency, and it governs. • One month free before the first charge, for customers who have not subscribed before. • The subscription renews automatically unless cancelled at least one day before the end of the current period. Cancellation is done in your Apple account settings on your device, not inside the app. Terms of Use: https://mezanyah.com/en/terms Privacy Policy: https://mezanyah.com/en/privacy DISCLAIMER The zakat calculation is an aid that depends entirely on the values, ratios and dates you enter. It is not a fatwa and does not replace qualified scholars; consult them on anything unclear. The app does not calculate the nisab or determine whether it has been reached. It is a record-keeping and calculation tool, not investment, financial or tax advice.