Hesba vs Dufaat

Hesba is a smart and simple finance calculator designed to help users estimate personal finance and mortgage options quickly and clearly. The app provides instant results for finance amount, monthly installment, DBR, down payment, and administrative fees based on the values entered by the user. The app allows users to choose employment status such as employed or retired, adjust DBR within allowed limits, and review structured finance results in a clear and easy-to-use interface. Hesba also includes a rate conversion tool to convert between APR and flat rate, along with a contact form for inquiries and support. Features: Personal finance calculator Mortgage calculator Monthly installment and fees calculation DBR calculation based on user status APR and flat rate conversion Simple Arabic-first interface

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.