Zakat calculator
Checks your zakatable assets against the nisab threshold and calculates 2.5% on what qualifies — MVR and USD assessed separately, as they should be.
Zero-based budgeting · Maldives-first
Know where every rufiyaa goes.
Give every rufiyaa and dollar a job — and watch your money grow, well-tended and bright.
June 2026
Ready to budget · Rf 4,250
Trusted by savers across Malé and the atolls
“I finally know what is safe to spend before payday.”
“Rent, STELCO, groceries — every rufiyaa has a job now.”
“The Zakat calculator alone was worth switching for.”
Features
Everything your money needs. Nothing it doesn’t.
A budget should answer one question without hesitation: can I afford this? Every feature below exists to keep that answer honest.
Rufiyaa and dollars, strictly apart
Two currencies, two budgets. Ranfahi never auto-converts — your Rf 18,500 salary and your $120 freelance invoice each get their own plan, down to the last laari and cent.
Age of money
How long a rufiyaa rests in your accounts before it is spent. Watch it climb.
0days
Give every rufiyaa a job
Budget to zero. When Ready to budget reads Rf 0, every rufiyaa has an assignment — rent, groceries, or the Hajj fund.
Statements from your bank, sorted
Drop a CSV from BML, MIB, or Allied. Ranfahi reads the format, matches payees, and files every line.
Bills that never sneak up
See what is due, what is funded, and what still needs attention — before the due date, not after.
See the shape of your spending
Net worth, spending by category, month-over-month trends — drawn from your real numbers, in your real currencies.
Maldives-first
Built for the life you actually live.
Most budgeting apps were written an ocean away. Ranfahi starts from here — where Zakat is an obligation, Hajj is a lifelong goal, and Ramadan reshapes every month it touches.
Hajj & Umrah planner
Set a target year. Ranfahi breaks flights, accommodation, and spending money into a monthly amount you can actually keep — and quietly tends it for you.
Ramadan budget mode
One tap raises food, charity, and gifts, adds Zakat al-Fitr as its own line, and restores your usual plan after Eid.
Rf 0
average saved by budgeters in their first three months
0 days
average age of money after six months of budgeting to zero
0 atolls
home to Ranfahi budgeters, from Haa Alif to Addu
Questions
Asked, answered.
You give every rufiyaa you already have a job — rent, groceries, the Hajj fund — until Ready to budget reads Rf 0. Nothing is left vague. When money arrives, you assign it; when you overspend, you move money from another job, on purpose.
They don’t — on purpose. MVR accounts feed your MVR budget and USD accounts feed your USD budget, with no automatic conversion muddying either. Moving money between currencies is an explicit transfer you record at the rate you actually got.
Yes. Export a CSV from BML, MIB, or Allied internet banking and drop it into Ranfahi. The format is detected automatically, payees are matched to your existing ones, and your rules categorize the rest before you confirm.
It applies the widely used nisab threshold of 85g of gold and calculates 2.5% on assets you confirm as zakatable, held over a lunar year. Treat it as a careful estimate to act on — for unusual situations, your scholar has the final word.
Your data is encrypted in transit and at rest, and your budget is visible to you alone. Ranfahi sells no data and shows no ads — you are the customer, not the product.
Your money, well-tended.
Set up your accounts, give every rufiyaa a job, and know exactly where you stand — in about ten minutes.
Start budgeting