HikmaDaily

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HikmaDaily · Free tool

Give every part of your income a job before the month starts. Fill in the six steps and your plan updates on the right as you type.

Works in any currency. Your figures stay in this browser and are never sent anywhere. No interest or investment returns are assumed.

Choose the currency you are paid in. Every amount below is in this currency.

What comes in

Monthly take-home pay, after tax and deductions. If your income changes month to month, use a cautious figure, not your best month.

What you must pay

The costs that keep the household running. Rename, delete or add lines so this matches your life.

What you give

Charity, sadaqah, your place of worship, regular help to relatives or a cause you care about. Planning it first means it isn’t left to whatever is spare at the end of the month.

Your emergency fund

Cash set aside for job loss, illness or a broken roof. The target is measured in months of essentials from step 2.

What you’re saving for

A family trip, school fees, a car paid in cash, Hajj or Umrah. Give each goal a deadline and the tool works out what to set aside each month.

What you owe

Any loans, instalments or money borrowed from family. Enter what’s left to pay and what you pay each month.

This is a planning aid for general education, not financial advice. Every figure comes from what you type. It assumes no interest, profit or investment growth, so goal timelines come only from the money you set aside.