Where the month's money goes
From AED 34,500 coming in to AED 3,410 spare
Income to plan on34,500
Commitments and reserves−17,200
Everyday spending−7,390
Free cash9,910
Saving: buffer 5,000 and summer trip 1,500−6,500
Spare3,410
All amounts in AED.
Every dirham gets a job.
Family Finance Coach is your family's accountant and money coach. It plans the month, keeps budgets and credit cards in check, and helps you save and invest for the goals that matter, from a safety buffer to a home.
A prototype with demo money. No bank connection and no real payments.
Start with the life you want, then put a price on it
Good money plans begin with goals, not budgets. Work out what it costs to live, price the extras and the dreams, then give every dirham a job toward them.
- Survival
Cover the basics
What it costs to live each month: rent, school fees, bills, food and transport, plus a buffer of three months for surprises.
The HaddadsAn AED 25,000 buffer by March, AED 5,000 a month.
- Good Life
Enjoy the extras
Trips, Eid, a better car, the kids' activities. Price each one and give it a date.
The HaddadsAn AED 12,000 summer trip by June, AED 1,500 a month.
- Dream
Build for the big things
A home, money invested for years, gold kept for the future.
The HaddadsAED 1,000 a month set aside for investing.
Four steps the app walks you through
Know your survival number
Pay, rent, school fees and bills, in your own words. The app works out what the family needs each month, and what is free.
Price the good life and the dream
Give each goal an amount and a date, then pick a relaxed, steady or faster pace that is checked against every month ahead.
Give every dirham a job
On pay day the money goes into buckets: commitments, everyday, goals, investing, fun and giving. Money for goals never mixes with spending money.
Review it together
Share the plan with your partner. A plan for the week every Sunday, a family summary every month, and an alert when something drifts.
Small amounts, put to work, become big ones
Saving keeps the family safe. Investing for years is what grows it. The order matters: a buffer first, then the goals, then the long term.
Pay the goals first
Savings leave on pay day, before the spending starts, so what is left is yours to spend.
A buffer before anything else
Three months of bills put aside means a surprise doesn't turn into a card balance.
Let time do the work
The longer money stays invested, the more of the total can be growth rather than what you put in.
Small leaks add up
A forgotten AED 35 subscription is AED 420 a year. The app finds the ones nobody listed.
Put aside each month
In 20 years you put in AED 240,000. Invested in this example, it becomes AED 411,034, or AED 171,034 more.
Show as a table
| After | Kept as cash | Invested, example 5% |
|---|---|---|
| 5 years | AED 60,000 | AED 68,006 |
| 10 years | AED 120,000 | AED 155,282 |
| 15 years | AED 180,000 | AED 267,289 |
| 20 years | AED 240,000 | AED 411,034 |
An example at 5% a year, not a forecast: investments can fall as well as rise. The app sets money aside for investing and keeps track of gold; it does not invest for you. Information only, not financial advice.
Know where every dirham goes
One clear picture of the month, budgets that warn you while there is still time, and credit cards that never catch you out. These are the demo family's figures for October.
Budgets, with time to act
Spent so far against each budget. The dark line is the limit, and red is over it.
Groceries2,240 of 3,000
Eating out1,120 of 1,500
Entertainment1,560 of 1,200
Over by AED 360
Transport640 of 1,000
Kids' pocket money600 of 690
Alerts come when a budget is over, heading over or above its usual. All amounts in AED.
Credit cards, before the bill
An AED 300 purchase on Omar's Visa
AED 1,400 short. Pay from the bank instead, or wait until after the statement date.
Every card's statement day, due day and bill so far, checked against what is free on the due date.
Everything the family's money needs
For parents. Everything the family pays, plans and decides, in one place.
Plan the month
- What is free, today
This month and until pay day, after rent, school fees and bills are put aside.
- Money buckets
Every dirham of pay gets a job: commitments, everyday, goals, investing, fun and giving.
- The next 12 months
Tight months, like the one with a rent cheque, show up a year ahead.
- Family wealth
Bank, cash and gold, minus cards and loans, as one number.
Track every budget
- Budgets and alerts
Over budget, heading over or above usual, while there is still time to act.
- Receipts and statements
Upload a photo, a PDF or a bank’s CSV. Each line is matched, so nothing counts twice.
- Ask the accountant
“Where did Layla’s money go this month?” Plain answers, with exact totals.
- Odd payments found
Double charges, and monthly payments nobody put on the list.
Stay on top of credit cards
- Card check before you pay
Before a card payment, it checks the bill will be covered on its due date.
- Every card’s next bill
Statement day, due day and the bill so far, for each card the family uses.
- Clear the card first
The plan pays each card in full before the goals, so no interest builds up.
Save and invest
- Goals at your own pace
Relaxed, steady or faster, checked against every month’s spare cash.
- Set aside for investing
Its own bucket, so money for the long term never mixes with spending.
- Gold at today’s price
Logged in grams and valued at today’s price for its purity.
- Ways to save
Up to three ideas a month, each with the numbers behind it.
Spend smarter
- Restaurants, hotels and trips
Typed in with or without a receipt, each in its own category, so you see what eating out and trips really cost.
- Compare before you buyComing soon
Prices for products, restaurants and hotels, side by side.
- Weekly meals and a shopping listComing soon
A dinner plan inside the food budget and the family’s food rules.
Decide together
- Requests with a stamp
The kids ask, you approve or decline. A yes is paid from their demo wallet.
- Family rules in your own words
“Anything over AED 100 needs me.” Checked on every request.
- Notifications
On your phone and by email, with a plan for the week every Sunday morning.
And the kids learn too
They see only their own money, in big friendly pictures. Asking a parent comes with a saving plan, and every dirham they save fills their jar.
A goal jar that fills
Layla is 40% of the way to her headphones.
A wallet they can see
Pocket money in demo money. A parent's yes is paid from here.
Stars for keeping track
Not money, and nobody loses them.
I'm the face you talk to. Behind me, five agents share the work.
Five AI agents, one coach
Every message goes to the agent that knows the job. The agents never do the maths: every amount comes from the app's money engine, worked out exactly.
- Planner
Makes this month’s plan, the bucket split and the goal’s pace, and writes the ways to save.
- Bookkeeper
Reads receipts and statements, finds double charges, and logs what the kids say they bought.
- Gatekeeper
Checks every request against the family rules, the family’s money and the card bills.
- Coach
Talks with the kids about their goals. Savings challenges and lessons are coming soon.
- Shopper
Coming soon: comparing prices for products, restaurants and hotels, and a weekly shopping list.
Numbers you can trust
Exact, not guessed
Every amount is worked out by the app’s money engine in whole fils. The AI only finds the words.
You confirm first
Anything the AI fills in stays a draft until a parent taps Confirm.
No real money moves
No bank is connected and nothing is paid for you. The kids’ wallets hold demo money only.
Advice you can check
Every idea shows the numbers behind it. Information only, not financial advice.
Kids can’t approve themselves
A child can never approve their own request. It is checked in the app and again in the database.
Little data about children
A display name and an age band, with a parent’s consent. No birth date, email or phone.
Meet the demo family
The Haddads: Sara and Omar, who run the family's money, and their kids Layla and Adam. Pick someone and look around. It is a shared demo, so you may see what others tried.