GhafTaqseema
Split your salary the right way, from payday to payday. We tell you what you can spend today, and set aside the money for rent cheques, school fees and Ramadan before they arrive.
Your numbers stay on your phone. We never see them.
“You can spend AED 145 today.” One number that updates with every expense and starts fresh each day.
Rent cheques, school fees, car insurance, Ramadan and Eid, the summer trip… spread over your paydays, so nothing catches you off guard.
Paste a bank SMS and the expense is logged. It's read on your phone, with no bank login.
No sign-up, no ads, and no server that sees your money. An encrypted backup with your own password.
A look inside
How does Taqseema work?
- You enter your salary and the day it comes, and your fixed costs (rent, car loan, housemaid, bills…).
- You pick your seasons: rent cheques, school fees, insurance, Ramadan and Eid, the trip, zakat.
- On payday we split it in order: fixed, then the seasons fund, then savings first, and the rest is “free to spend”.
- The free money is divided by the days left until the next payday: that's “You can spend today”.
- Every expense you log (with ＋ or from a bank SMS) updates the number. At the end of the cycle we show where your money went.
Questions
Is Taqseema free?
Yes, free, with no ads and no subscription.
Where are my numbers kept?
Only on your phone (in the browser, or the app you added to your Home Screen). We never send your salary, expenses or messages anywhere, and we can't see them.
Why payday to payday, not the calendar month?
Because the money arrives on payday. The cycle starts the day your salary comes and ends the day before the next one.
What is the seasons fund?
Things that come once or twice a year (rent cheques, school fees, Ramadan, the trip). Each is split over the paydays before it, so the money is ready on the day.
Which banks' SMS can it read?
Emirates NBD, FAB, ADCB, Mashreq, Dubai Islamic Bank, ADIB, RAKBANK, CBD, Liv and Wio, and more, in Arabic and English. If a message isn't read, you fill in the rest.
What if I clear my browser?
Your numbers are gone. That's why you should save a backup every month (we'll remind you), and restore it with your password.
Is this financial advice?
No. Taqseema is a planning tool. Its numbers are estimates from what you enter; zakat and the card plan are estimates only.