ZAR
Debt Freedom + Islamic Wealth OS
ZAR is the world's first debt-freedom companion built on Islamic principles — riba-aware, zakat-smart, and 100% private. Watch your Debt Shadow shrink with every payment, let the on-device AI guide you in your own language, and manage zakat, sadaqah, Hajj savings, budgets and net worth — all offline, all encrypted, all yours. No accounts. No cloud. No interest in your data.
Powerful Features
Everything you need in one app
Debt Shadow™ — your debt, visualized as a monster that shrinks as you pay
Debt Shadow™ — your debt, visualized as a monster that shrinks as you pay — designed for accuracy, speed, and ease of use.
2. Smart Payoff Engine — Snowball vs Avalanche, computed on-device (Rust math)
2. Smart Payoff Engine — Snowball vs Avalanche, computed on-device (Rust math) — designed for accuracy, speed, and ease of use.
On-Device AI Insights — daily money wisdom in YOUR language, 100% offline
Use core features without an internet connection, anytime anywhere.
Legal Information
Review our policies before downloading
com.emazn.zar