See how many years to your dream. Without tracking a single expense.

One full month free. Then € 8.99 per month.

Your plan for this month4,000AEDper month
Income32,000
−Oblig.21,500
−Savings6,500
=4,000
BudgetSavingsZakatPurchasesVaultLocal by default, your data stays on your phoneNo bank connection required
You're not alone

Lines we hear all the time.

“I hate logging every expense, I give up after two weeks.”

Budgeting without tracking

“I never really know how much I can spend without ending up in the red.”

How much I can spend this month

“Before I buy, I just want to know if it's worth it.”

Is it worth it, before buying

I tracked my coffees, my top-ups, a morning treat as heavy as a waiting room.

A user

The real question isn't how much I paid for coffee, it's what I can spend freely.

A user

Here is the answer.

Income − Commitments − Savings = Available
We set the essentials aside first. What's left is yours to live, guilt-free.

The five moves of growth

01RecogniseKnow what you have, and make the most of it.
02HonourServe your commitments before your comfort.
03BuildKeep a share of every harvest to build.
04LiveSpend the rest freely, without guilt.
05GiveSet your share, with its amount and its date.

One number, once a month, and a clear head the rest of the time.

The free book

The method

Hover to leaf through
Contents
  • Opening
  • Book I
  • 01Recognise
  • 02Honour
  • Book II
  • 03Build
  • 04Live
  • 05Give
  • 06The loop closes
  • 07The tools
  • Closing
The Namup method
The Five Movements of Growth
free by email
Leave your email and we'll send you the method notebook at launch.

Email hosted in the EU, never sold, one-click unsubscribe.

Read the method, free

Contents
  1. OpeningBefore counting
  2. Book IHow the method was born
  3. 01Recognise
  4. 02Honour
  5. Book IIThe method in practice
  6. 03Build
  7. 04Live
  8. 05Give
  9. 06The loop closes
  10. 07The tools
  11. ClosingSet down your line
The app

The method becomes a tool in your hand.

Three moves, the ones on the subscription screen. Anticipate what's coming, track what you own, decide before you act.

AvailableBudgeting without tracking
Your plan for this month
4,000AED
1Income32,000
2−Oblig.21,500
3−Savings6,500
=4,000
13 d of runway
balances from 12d ago
To do now1 of 3
Update your balancesYour Available figure rests on balances from 12 days ago. Two minutes make it exact.
UpdateLater
Is this purchase worth it?graded A+ to C
My vault12 documents, safe
Your situation
When will my dream come true?4 yrs 2 moVilla
Supporting my family?1,500AED per month, honoured
01

Anticipate

My planHow much I can spend this month
My plan
Where does my money go?
THIS MONTH, LIVE
Income32,000 AED
Obligations21,500 AED
Savings6,500 AED
Your plan4,000 AED
What's left to live on this month. Tap a term to open it and change it.
Use of what's availableestimated
Used 1,920 AEDLeft 2,080 AED
Subscriptions4Dues1GoalsSimulate
GoalsIs it worth it, before buying
Main goal
Villa
40%80,000 AED / 200,000 AED
At 2,400 AED/mo: in 4 years and 2 months.
Other goals
Annual costs, smoothed
Annual calendar
Plan ahead for the year's upcoming expenses.
2026
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Dues in May2, 17,500 AED
Eid Al-Adha
May 2026, in 12 months
5,000 AED
417 AED/mo
Provisioned ✓
School fees
May 2026, in 12 months
12,500 AED
1,042 AED/mo
+ Provision
Add a due
The budget, one numberAnnual costs, smoothedA dated dream
02

Track

Up or down
Net worth
192,000AEDi
+12,500 AED /3 mo
We count only what you've declared. Any Zakat due is shown as a card, never subtracted.
Cash & current45,000 AED
Savings24,000 AED
Assets185,000 AED
Debts− 62,000 AED
Net worth192,000 AED
Zakat ~850 AED2.5% of your zakatable wealth
Assets
2 holdings
Savings and cash
3 pots
Debts
1 ongoing
Zakat
Hawl running
Over timelast 12 months
Up or downDebt and MourabahaThe monthly statement
My debtsWhat is left to repay, and when
My debtsTracked
Car, financingMourabaha
Left to repay62,000 AED
Fixed margin, known upfrontNo interest
Daret, turn 5/120%
Contribution1,500 AED

Mourabaha is tracked at its fixed margin, set at the start. Never a running interest rate.

The fixed margin has a consequence few people are told: settling early does not erase it. Namup shows it as it stands, and promises no rebate your institution has not written down. What stays owed if you settle early

ZakatWhat I owe this year, and when
Your Zakat estimate
850AED
Due at the end of the hawl
2.5% of your zakatable base, once the threshold (nisab) is met and the year (hawl) has elapsed.
Savings24,000
Gold12,000
− Deductible debts− 2,000
Net basis34,000
Net basis × 2.5%= 850 AED
Annual rate
2.5%
Threshold (nisab)
≈ 2,480 AED
Gold nisab (85g × price)
Reference
AAOIFI standardChange
Hawl in progress, 54 days left
Gregorian calendar (conventional account)
Computed to the AAOIFI standard
You pay it yourself, wherever you choose, Namup computes and keeps the record.

This screen is part of the subscription. The web calculator demo stays free, with no account.

03

Decide

Ask your question. Namup answers with your numbers.
Ask Namup
Can I afford a new sofa?
Namup
Your Free-to-spend would hold this month, but your goal would slip a little. Grade the purchase before you commit.
And if I save a bit more each month?
Namup
Your arrival date recomputes before your eyes, and your living line stays comfortable.
Or pick a question
Can I afford it?
When will my dream come true?
Ask your question…

Only your question goes to the AI, never your amounts, computed by Namup.

Answers todayDeeper analysis, coming soon

Worth it? Grade a purchase before you commit.

The Namup Purchase Assessor
Three ways to bring it the purchase
TextYou type the item and its price.
LinkYou paste the product page link, it is read on our server.
CameraYou photograph the item or its price tag.

Link and photo need the AI switched on. Otherwise you type the purchase yourself. Either way, the grade comes from Namup's own calculation, never from the AI.

Can I pay for it right now?Cash on hand and what you already set asideHow much of this month does it take?Its bite out of your available moneyIf it comes every month, does it fit?The recurring weight
A+A B CThe grade
Does it push me into the red?The living minimum you must not crossHow far does it push back my dream?The delay inflicted on your goalAnd if I wait, when is it?The time it takes to get there
Demo, Zakat calculator

Zakat, computed on your wealth, nisab and annual cycle, with its own dedicated envelope. Try the calculation without an account.

Computed to the AAOIFI standard. You pay it yourself, wherever you choose, Namup computes and keeps the record.

Zakat calculator, free public demo
Privacy and data handling

Your data is not our product. It's our edge.

The Vault

Traceability, access and order for your sensitive documents, simply.

On the home screen
My vault
6 documents secured
Re-transfer
SWIFT transfer, deed of sale3 documents
Open

A tap on a folder opens it. A tap on a pinned item opens that document.

The folders tool
6documents filed, on this device
Ask your question…
Encrypted backup active. Locked with your key, unreadable without it.
Re-transfer
3 documents
Taxes
1 document
Property purchase
2 documents
Family
Empty
namup-backup.encEncrypted, backed up recently.

Most money apps live off your data. Namup lives off its subscription. That's what lets us tell you, plainly, what's really going on with your numbers.

Local by default
Never sold
AI only if you turn it on
A backup you keep
Export anytime
Verifiable deletion
A life between two countries

A salary here, family and a dream there.

Family comes first, without guilt.

The real cost
Zero fees doesn't mean zero cost.
You send1,000 €
Advertised rate, no fee10.55 MAD
Dated market rate10.85 MAD
Hidden cost300 MAD
Transfer comparator
Two shores
One budget, two countries.
Net salary, France+ 2,100 €
Dated exchange rate1 € = 10.85 MAD
Family supportReserved first600 MAD
Daret, turn 7 of 12700 MAD
Goal back home400 €
Free to live on818.60 €
Understand daret and remittances
Honest questions

What you're probably wondering.

Ask Namup
Or pick a questionDo I have to connect my bank?Where does my data go?How much does Namup cost?Who is Namup for?How does Namup handle Zakat and participative finance?Which languages and currencies?
Do I have to connect my bank?
Namup

No, never required. Namup works from what you declare: your income, your commitments, your balances when you want more precision. No transaction is ever entered or imported.

Where does my data go?
Namup

It stays on your device, by default. No selling, no ads, no profiling, and verifiable deletion at any time. Cloud and AI options exist only if you switch them on yourself.

How much does Namup cost?
Namup

You try everything for a month. After that it's a subscription, or you stop and leave with all of your data. There is no cut-down free version: the one thing open to everyone, here on the site, is the public demo of the Zakat calculator, which walks the calculation through on a worked example and gives the nisab of the referential you choose.

Who is Namup for?
Namup

Designed first for the diaspora and the MENA region: multi-currency (€, MAD, AED…), three languages, and the realities that matter, family support, daret, Zakat. Useful to anyone who wants clarity without tracking expenses.

How does Namup handle Zakat and participative finance?
Namup

If Zakat matters to you: it's computed on your wealth (nisab, annual cycle), according to the referential you choose, with its own dedicated envelope, never a monthly expense; you pay it yourself, wherever you choose. If you use participative finance: Mourabaha financing is tracked at its fixed margin, never as interest. Our calculations are illustrative, based on the public data of your chosen referential, for a ruling, seek the opinion of your religious authority.

Which languages and currencies?
Namup

French, English and العربية, with full right-to-left display. Currencies follow your country: EUR, MAD, AED, SAR, USD, CAD and more.

Ask your question…
A full month

A full month, then one all-in subscription.

€ 8.99per monthor€ 79per year

Yearly, you pay € 28.88 less than month by month.

The first members keep −30% for as long as they stay subscribed.

One single offer, all features included. Nothing extra to unlock.

What the subscription gives you
Anticipate
Budget & what's left to spendAnnual expenses smoothed monthlySavings, goal by goalZakat
Track
Your wealthDebt repaymentMourabahaMy vault
Decide
Ask NamupPurchase AssessorMonthly statement

About Zakat. The public Zakat calculator stays a free demo. Inside the app, your Zakat is computed automatically from the assets and debts you track, and that is part of the subscription.

See clearly. Act wisely.

The method, article by article, free to read, no account.

AcademyBudget Without Tracking Expenses: The Reverse MethodRead
AcademySupporting Family Back Home Without Going BrokeRead
AcademyHow to calculate your Zakat, step by stepRead
Browse Namup Academy