What's inside.
The full tour — every screen shown here is the shipped app, not a mockup. Money in AED, judgement kept human, logging done by the machine.
The daily loop
Pulse: need or want?
Every expense becomes a card, and you swipe it — need or want. Not a chart to admire: a judgement to make, in seconds, every day. Zadd never makes that call for you; a machine guessing what you regret would be a lie about your own life. What it does instead is count. The place you keep going back to was never one purchase you'd remember — it was eleven you wouldn't.
- One card per expense, swiped through in seconds
- Zadd counts what you keep going back to — eleven orders, not one
- The AI may file the category — the verdict is always yours
The plan
Budgets that tell the truth daily
Zero-based budgeting in dirhams: every month, every dirham gets a job across spending, debt, and savings. Then the day does the honest math — your daily number is built from what's actually free after your scheduled bills are reserved, so a subscription landing today doesn't paint your choices red.
- A daily safe-to-spend built from what's genuinely yours to choose with
- Scheduled payments reserved before the day offers you anything
- Last month's plan carries forward — your typed numbers are never overwritten
- Signed in, AI can draft the month from your real spending — it proposes, never imposes, one-tap undo
The magic
Tap your card. It's already logged.
A one-time Shortcuts automation catches every Apple Pay tap and hands it to Zadd — merchant, amount, card — before you've pocketed the phone. Then AI files it into your own categories, and only yours: a closed menu it cannot invent beyond. Mangled Dubai terminal strings included.
- Set up once in the Shortcuts app — the app walks you through it, step by step
- AI categorisation against your own list, never an invented one
- Unsure guesses are flagged for a one-tap confirm, not silently filed
- Works offline too — logging is manual-friendly for cash and everything else
The full picture
Every account, one screen
Spending accounts, savings with real goals, and the cards in your pocket — balanced against each other and summed into one net worth that includes everything you own and everything you owe.
- Savings accounts carry goals — the progress number is derived, never a costume
- Net worth = cash + investments + gold + valuables − debts, live
- Hide-balances mode for showing the app without showing your money
Markets
Your real lots, priced live
Not a toy tracker: every holding is a lot — bought when, at what cost — across brokers, stocks, ETFs, and crypto, all converted and summed in AED with live pricing.
- Per-broker accounts with editable lot books
- Cost basis honoured to the fil, gains against it
- Crypto and US markets in the same dirham total
The Dubai asset
Gold, karat by karat
Grams of 24k, 22k, and 21k tracked at today's Dubai rate — because in this city gold is not a commodity chart, it's a drawer at home and a shop in Deira. It counts toward your net worth like everything else.
- Per-karat pages that lead with what your holding is worth today
- Today's rate shown honestly, with its freshness
- One overview across all your karats
Things you own
Valuables, in collections
Vehicles. Watches. Jewellery. Collections of the things you own, each with a value that drifts the way that thing actually behaves — a car loses a little every year, a watch might hold or gain.
- Collections, not clutter: one tile for Vehicles, one for Jewellery
- Per-item drift — loses, holds, or gains value yearly
- Re-anchor any item's value and the drift restarts from there
The other side
Debts that actually pay down
A liability is tied to one of your own debt categories — and every payment you log in that category pays it down on the spot. No separate bookkeeping, no pretending: the loan shrinks because the payment happened.
- Each liability tied to a debt category you choose
- Payments logged there reduce the balance automatically
- Progress shown only when the original amount is actually known
The read
Insights with a verdict
No dashboard wallpaper. The Insights page ranks what the numbers genuinely support — concentration risks, pace against the month, subscription creep — and signed in, Claude reads your computed figures and phrases the top findings like a sharp friend would.
- Verdict-led cards, most important first
- Claude's Read: AI-phrased insights from figures only — no raw ledger leaves your phone
- UAE-aware: it knows DEWA is a utility, not a subscription to cancel
One more thing
The tap-to-logged magic takes one setup, once.
Two minutes in the Shortcuts app, and every Apple Pay purchase logs itself from then on. Here's the exact walkthrough →