ذِمَم | Zimam vs Dufaat

Zimam - Your personal app for managing loans and debts with ease and privacy. Having trouble remembering who you lent to or borrowed from? Zimam solves this problem! Key Features: Track Loans Record loans you gave or received with full details Smart Reminders Never forget a due date with automatic notifications Installment Support Split loans into monthly, weekly, or custom installments WhatsApp Reminders Send a clear installment reminder to a debtor in one tap Formatted Export Export your loans, expenses and trips as polished Excel and PDF reports Optional Account Backup & Sync Sign in to securely back up your data and sync it across your devices (Sign in with Apple supported) Guest Mode & Privacy Prefer to stay local? Use every feature as a guest with your data kept on your device - no account needed Hijri & Gregorian Calendar Choose the calendar that suits you 50+ Currencies Support for SAR, USD, EUR, and many more In-Kind Loans Record non-cash loans (car, device, furniture...) Comprehensive Statistics Know your financial status at a glance Arabic & English Interface Beautiful design supporting both languages

Dufaat keeps your installment plans and short-term payments clear, private, and easy to follow. No account is required. Your plans, payments, notes, and attachments stay on your device, and Dufaat does not connect to banks or move money. Create a plan for a car installment, financing, a savings group, or any recurring amount. Enter the total and monthly amount—or the number of months—and Dufaat builds the schedule automatically. Mark payments as settled in order, defer a payment when needed, and always see what remains. For shorter obligations, Pay Soon keeps advances and one-off amounts separate from long-term plans, with a monthly view of what is paid, due, or overdue. Core features: • Automatic installment schedules with exact totals • SAR and AED quick choices, plus a full currency list • Pay Soon for short-term amounts • Ordered settlement and payment deferral • Local reminders with one clear global time • Receipt photos, PDFs, and notes beside each payment • A clean PDF statement that follows your device calendar • File backup and restore under your control • A home-screen widget for the next payment • Instant Arabic and English switching with full RTL support • Optional App Lock using Face ID, Touch ID, or the device passcode Dufaat Plus — one-time purchase: • PDF Studio with four professional templates, optional identity, logo, color, footer, attachments, and Gregorian, Umm al-Qura Hijri, or dual dates • Financial Outlook showing unpaid amounts within 30, 60, and 90 days, separated by currency • Smart Reminders for the due day and an optional next-day follow-up when an amount remains unpaid There is no subscription. The core tracker, backup, and standard PDF statement remain available without Dufaat Plus. Privacy first: Dufaat has no account system, analytics, tracking, advertising, or developer backend. Core records remain on your device. Store purchases are handled securely by Apple. A quiet personal record for your installments—not a banking service.