Your money, finally organized.
Zemmal brings your accounts, budgets, installments, goals, investments, gold, and AI insights into a single private command center — calm, clear, and entirely yours.
Multi-factor sign-in·Private by design·AI insights·Web & iPhone
See what comes in — and what remains
Follow the path your money actually takes each month: what arrives, what must go out, what should be saved, and what's left for better decisions.
It starts on your salary day
Zemmal plans around your real pay cadence — not a generic calendar month — so every budget, bill, and goal lines up with the day money actually arrives.
Everything that matters, in one calm view.
From a single dashboard you know exactly where you stand — and what to do next. No spreadsheets, no app-switching, no guesswork.
- Live net position across accounts, investments, and gold.
- 90-day cash-flow forecast so tight months never surprise you.
- An AI advisor that reads your own numbers and answers in plain language.
- Dark & light themes, Arabic & English, on every device.
Insight. Two installments land before payday next month — moving one frees SAR 1,400 of buffer.
Not another budgeting app
Zemmal is shaped around real financial life here — salary cadence, installments, gold, and family money — not a generic template with the labels swapped.
Salary-cadence planning
Months begin on your pay date — the way real budgets actually run.
Installments, front and center
A first-class view of every plan — because here, instalments are how big purchases happen.
Gold as a real asset
Track your gold wallet in grams and value — savings the way it's actually held.
Family finances
Built to grow toward households and shared money, not just a single wallet.
No bank login needed
Add by hand or import a statement — no risky bank connections, your data stays yours.
Arabic & English
Designed for both languages and right-to-left layout from the ground up.
Your whole financial life, one command center
Each piece does one job well — and they all add up to a single, clear picture.
Buckets & budgets
Monthly plans and spending buckets that adapt to how you actually live.
Give every riyal a job — then watch each bucket fill and drain through the month.
Cash-flow forecast
See your balance up to 90 days ahead, before decisions are made.
Know your lowest point in advance, so a tight week never becomes a surprise.
Installments
Track every plan in one place — paid, upcoming, and overlapping.
Know what's paid, what's upcoming, and what can pressure your month.
Goals
Fund what matters with targets that show real, visible progress.
Turn an intention into a funded target — and see it grow week by week.
Investments & gold
Holdings, portfolio, and gold wallet — together in one clear total.
Your gold sits beside your investments and cash, in one honest total.
AI insights
An advisor that reads your live data and answers in plain language.
Ask "can I afford this?" — and get an answer grounded in your real numbers.
Your financial data should stay yours
Zemmal is designed around secure sessions, multi-factor sign-in, device trust, private isolation, and clear data ownership.
Multi-factor sign-in
More than a password: time-based one-time codes protect every account.
Device trust
On iPhone, device verification plus Face ID and PIN unlock keep access on your terms.
Private isolation
Your data is partitioned per account and encrypted in transit and at rest.
You own your data
Export or remove your data on request. It's yours — always.
No data selling
We don't sell your financial data. Not now, not ever — that's the model.
Audited & accountable
Sensitive actions are recorded in a tamper-evident trail you can rely on.
Your command center, in your pocket.
The same private system on the web and on iPhone — fast, native, and ready when you are.
- Face ID & PIN unlock for fast, private access on the go.
- Add as you go — log an expense or installment in seconds.
- Always in sync with the web — one truth, every device.
Zemmal is opening access gradually
Request an invitation and be among the first to build your private financial command center.