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First try re-linking your bank: go to Settings → Connected Banks, tap your bank, and select Re-link. If that doesn't work, your bank may have updated its security — disconnect and reconnect through the Plaid flow. Some banks require you to re-authenticate every 90 days. If the issue persists, contact us with your bank name and we'll investigate.

Yes — the app is fully functional with manual transaction entry. Go to Activity → + to add income or expenses by hand. Bank sync via Plaid is optional and available on the Pro plan.

Amanah Budget automatically tags transactions from known halal merchants and Islamic spending categories (Sadaqah, Zakat, Mosque Donations, Halal Groceries, etc.) with a Halal badge. For transactions that can't be automatically classified, a review queue lets you confirm or flag them with a single tap from the Activity screen.

Subscriptions are managed directly in the app. Go to Settings → Account → Subscription & billing and tap Cancel subscription in the sheet that appears. This opens the Stripe billing portal where you can confirm the cancellation. You'll retain access until the end of your current billing period — the sheet shows the exact date. Canceling your plan does not delete your data — your budgets, transactions, and history are preserved. Data is only deleted when you explicitly request account deletion from within the app. Changed your mind before that date? Open the same sheet and tap Reactivate subscription to resume billing without losing access.

Features like unlimited savings goals and bank sync are part of the Pro plan. Family sharing is part of the Family plan. Tap any locked section to see what's included and upgrade. If you're already a subscriber and still seeing locks, make sure the email address on your Amanah account matches the one used for your subscription — upgrades will not take effect if they differ. You can also try signing out and back in.

Yes. Bank connections use Plaid, a read-only service — we never see your banking credentials. All data is encrypted in transit and at rest on our servers. We do not sell your data or share it with advertisers. You can disconnect your bank from Settings → Account or delete your account at any time from Settings → Security.

On the login screen, tap Forgot password? and enter your email address. You'll receive a reset link within a few minutes. Check your spam folder if it doesn't arrive.

Export data is in Settings → Account and sends a file to your registered email within a few minutes. Delete account has moved to Settings → Security (also reachable from the Security screen's account deletion confirmation, which offers a one-tap "Export my data first" option). Deleting permanently removes all your data, disconnects your bank, and stops billing at the end of your current period — this cannot be undone. See our Privacy Choices page for full details.

Tap the transaction to open its detail screen, then tap Delete Transaction at the bottom. Note that swiping left on a transaction in the list is not a delete gesture — it opens a panel to assign the transaction to a savings goal. Only manually-entered transactions can be deleted; Plaid-imported transactions cannot be removed.

Tap the bell icon in the top-right corner of the home screen to open the Notification Center. From there you can read, dismiss, or clear individual notifications. To control which categories of notifications you receive, go to Settings → In-app notifications and toggle any category (Budget, Transactions, Goals, Investments, Islamic Finance) on or off. If you receive a notification with an action button, tapping it will navigate you directly to the relevant screen. For a full breakdown of every notification type and channel, see the Notification Channels Reference.

Go to Settings → Profile → Edit Profile and update your email. You'll receive a confirmation link at the new address before the change takes effect. If you don't receive it, check spam or contact us for help.

The calculator supports all four madhabs: Hanafi (silver nisab — lower threshold), Maliki, Shafi'i, and Hanbali (gold nisab — higher threshold). You can set your preferred method in Settings → Zakat Method. Nisab values are updated using live gold and silver spot prices, which may be up to 24 hours delayed.

Scholars differ on this — Amanah Budget supports both views and lets you choose in the app.

Conservative view (AMJA / Hanafi default): Pay zakat annually on your vested balance, minus estimated taxes and early withdrawal penalties. Since you cannot access these funds without a significant haircut, the zakatable amount is typically 70% of the stated balance. Amanah Budget applies a 30% default deduction matching AMJA guidance.

Lenient view: Locked retirement accounts are not freely accessible, so zakat is not due until the year you actually withdraw funds. At withdrawal, pay 2.5% on the amount received.

Roth IRA contributions (not earnings) can be withdrawn at any time without penalty and are treated as fully zakatable under both views.

Switch methods by expanding any locked retirement row in the Zakat Calculator.

Interest income (riba) is not included in zakat — it must be donated to charity entirely separately and does not count toward your zakatable assets or nisab.

If your bank account earns interest (such as a high-yield savings account), subtract the interest earned from the balance before saving your zakat figure. Your Plaid-synced balance may include accrued interest — reduce it by the interest amount so you are only calculating on your principal.

In practice: Check your bank statement for "interest credited this year," subtract it from the displayed balance, and enter the adjusted figure in the app.

Each spouse calculates zakat on their own proportional share of joint assets.

In the Zakat Calculator, expand any checking or savings asset row and set My share % — for example, 50% if you and your spouse own the account equally. The app calculates 2.5% zakat on your share only. Your spouse enters the same account in their own calculation with their share.

If the account is solely yours, leave the share at 100% (the default).

Amanah Budget supports two methods — choose per row in the app:

Market value (default): Pay 2.5% on the current market value of your halal-screened holdings. This is the simpler and more widely used approach for individual stocks.

Pro-rata (underlying assets): If your fund or ETF publishes a Purification Report or Zakatable Assets percentage, you can enter that percentage and the app will calculate 2.5% on only the zakatable portion of your holdings. This is preferred by scholars who follow the AAOIFI pro-rata method.

Day traders who buy and sell stocks regularly as a trade (not long-term investment) should use the market value of their holdings on the zakat date — scholars treat these like trade inventory.

Business zakat follows the formula: (Inventory at cost + Business cash + Receivables) − Current liabilities due within the year. The result is your net zakatable business wealth — pay 2.5% on it.

What counts:
Inventory (goods held for sale, at cost price), business bank account balances, and money owed to you that you expect to collect within the year.

What does not count:
Fixed assets — equipment, vehicles, computers, and furniture are tools of trade, not trade goods, and are not zakatable.

In the Zakat Calculator, enter inventory under Business inventory, cash under Business cash accounts, and expected payments under Money owed to you. Deduct current business debts in the Liabilities section.

Most contemporary Islamic scholars hold that cryptocurrency is zakatable as a traded asset: if you hold it for more than one lunar year (hawl) and its value exceeds nisab, 2.5% zakat is due on its current market value.

Common scenarios:
• Stablecoins: Treated as cash equivalents, zakatable at face value
• Coins you cannot access (lost key, frozen exchange): Most scholars hold that zakat is not due on genuinely inaccessible funds
• Mining rewards / staking yield: Treated as income in the year received; zakatable if held for a full hawl thereafter
• NFTs and DeFi: Scholarly opinion is still developing — consult a qualified Islamic finance scholar

In the Zakat Calculator, enter your total crypto holdings at today's market value under Cryptocurrency and set a hawl date to track when zakat becomes due.

It depends on your intent and how the property is held:

Primary home: Exempt — the home you live in is not zakatable.
Rental property: Zakat is due on the net rental income you accumulate, not the property value. At your hawl anniversary, rental income held as cash that exceeds nisab is zakatable at 2.5%.
Property held for sale: Zakatable at current market value, like trade goods.
Investment property held indefinitely: Generally considered non-zakatable if you have no intent to sell and it generates no significant income.

In the app, add rental income under Cash & Equivalents (it is income, not the asset itself). For property held for sale, enter the current market value as a manual amount in a relevant asset category.

The Halal Investment Catalog is a searchable library of stocks and ETFs that have been screened for Shariah compliance using the AAOIFI methodology — one of the most widely recognized standards in Islamic finance. You can browse by name or ticker, see each investment's compliance status, and use it as a starting point for your own research. The catalog is available on the Pro and Family plans.

Every investment in the catalog carries one of four badges based on its AAOIFI screening result:

AAOIFI — screened and compliant per AAOIFI standards.
Doubtful — borderline result; consult a scholar before investing.
Non-compliant — does not meet AAOIFI criteria.
Unscreened — insufficient data available for a full screening.

Badges are updated monthly as new screening data becomes available.

The catalog is refreshed once a month. If an investment's compliance status changes, you'll receive a notification so you can review your research. Compliance statuses can shift when a company's financial ratios change — for example, if its debt levels or non-permissible revenue crosses a screening threshold.

No. The catalog is for informational and research purposes only — it is not financial or investment advice, and it does not constitute a personal fatwa or religious ruling. Shariah compliance can vary by madhab and individual circumstance. We strongly recommend consulting a qualified Islamic finance scholar or licensed financial advisor before making any investment decisions.

We use the AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) standard, which evaluates investments across two dimensions: business activity screens (e.g. no alcohol, tobacco, weapons, interest-based financial services) and financial ratio screens (e.g. debt-to-assets and non-permissible revenue thresholds). Other methodologies exist — such as DJIM, FTSE, and MSCI Islamic — and may reach different conclusions on the same investment.

Not yet. The current catalog lets you research and screen investments, but live portfolio tracking is planned for a future update. Stay tuned — we'll notify you when it launches.