Qawama · قواما · folio i إنفاق متوازن، حياة مباركة established 2026 · Muscat
For Muslims of the GCC · لِلمسلمين في الخليج

بَيْنَ ذَٰلِكَ قَوَامًا

held in balance — neither extravagance, nor restraint.

Qawama is a budgeting companion built around a single Quranic principle: spending that sits between excess and stinting. It reads your bank messages on-device, classifies every transaction, and shows you which side of the line you stand on.

Made for
Oman · GCC
خليج
Currency
OMR · 3 decimals
ر.ع.
Privacy
On-device only
محلي
Languages
العربية · English
ثنائي
specimen · the dashboard
The verse · الآية folio ii Al-Furqān 25:67
Sūrah Al-Furqān · The Criterion · 25 : 67
سورة الفرقان · مكية

وَالَّذِينَ إِذَا أَنفَقُوا
لَمْ يُسْرِفُوا وَلَمْ يَقْتُرُوا
وَكَانَ بَيْنَ ذَٰلِكَ قَوَامًا

“And those who, when they spend, are neither extravagant nor stingy, but maintain a just balance between those extremes.”

إسراف
Isrāf

extravagance — spending past need; the wasted hand.

قَوَام
Qawām

balance — neither too much, nor too little; the way of the believer.

إقتار
Iqtīr

stinting — withholding from rightful expense; restraint that pinches.

How it reads · كيف يقرأ folio iii three movements
A reading

Three movements between
your bank and your conscience.

i.

It reads the message.

يقرأ الرسالة

When your bank sends an SMS, Qawama parses it on your phone. Bank Muscat, NBO, Bank Dhofar, Sohar, Bank Nizwa, Alizz — all supported. Nothing leaves the device.

ii.

It places the merchant.

يحدد التاجر

A built-in dictionary of GCC merchants assigns the right category. Lulu, Carrefour, Talabat, Petrol stations, ATMs — recognized at the moment the message lands.

iii.

It marks the line.

يُعلِّم القَوَام

Every spend is plotted on the qawām scale. You see — at a glance, in a single horizontal — whether you stand within balance, or have drifted toward excess or restraint.

The app · التطبيق folio iv specimen pages

A budgeting almanac
for the household of moderation.

Five core screens, none of them busy. Today, ledger, budgets, reflections, colophon. Each laid out like a page from a manuscript: ruled columns, marginal notes, one figure per spread.

What it does · ما يفعله folio v six entries
Six entries

Fewer features. Better kept.

01

Reads your bank SMS

قراءة الرسائل

Bank Muscat, NBO, Bank Dhofar, Sohar, Bank Nizwa, Alizz. Parsed on-device — never sent anywhere.

02

Knows the merchants

يعرف التجار

Built-in rules for hundreds of GCC merchants. Categorizes every transaction the moment it lands.

03

Marks the qawām line

يُعلِّم القَوَام

A single horizontal scale — extravagance · balance · restraint. You always know which side of the line you stand on.

04

Ledger for tithe & gifts

زكاة وهدايا

Mark transactions as ṣadaqah, zakāh, or family gift. Export at year’s end — already classified, already legible.

05

On-device first

محلي أولًا

Your data stays on your phone. Optional encrypted backup uses a passphrase only you hold.

06

Bilingual, equal

ثنائي اللغة

Arabic and English are first-class — same hierarchy, mirrored layouts, considered typography in both.

Privacy · الخصوصية folio vi held by you, shared with no one
A note on data

Your ledger. Your device.

01

Your data stays yours

بياناتك ملكك

All financial data — transactions, budgets, categories — is stored locally on your device. We do not run servers that hold your records.

02

What the app touches

ما يصل إليه

SMS — only bank transaction messages, parsed on-device. Network — only for exchange rates, Firebase authentication, and the optional encrypted backup. Storage — to save your data locally.

03

Encrypted cloud backup

نسخ مشفّر

Backup is opt-in. When you enable it, your data is encrypted on-device with AES-256 using a passphrase only you know, then stored on Supabase. We cannot read it. Only you can decrypt it.

04

No ads. No tracking.

بدون إعلانات

No advertisements, no analytics trackers, no third-party SDKs beyond Firebase for authentication and push. Your information is not sold, shared, or monetized.

05

Data deletion

حذف البيانات

Delete your account from inside the app or by email. All deletion is immediate and final. See the Data Deletion Policy for the exact steps.

06

Reach us

تواصل

Questions, corrections, deletion requests: qawama.app@gmail.com.

Spend with balance.

إنفاق متوازن، حياة مباركة

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