The Best Halal Investing Apps in 2026
If you want to invest without riba, without gambling or alcohol stocks, and without wondering at 2am whether your money is quietly funding something you'd never support, 2026 gives you more real options than any year before it. The nine apps below cover every stage of the journey: checking whether one stock is halal, letting a robo-advisor run a whole portfolio for you, buying into private funds, or financing a home without a conventional mortgage.
The short answer: Wahed for hands-off portfolios, Zoya and Musaffa for picking your own stocks, Sarwa for the Gulf, Cur8 Capital for private markets, Manzil for a halal mortgage in Canada, Kestrl for budgeting-plus-investing in the UK, Fasset for digital sukuk, and Islamicly for wide global screening. Here's how they compare.
| App | Platforms | Price | Best for |
|---|---|---|---|
| Wahed | iOS, Android, Web | 0.49%–0.99% / year | Hands-off managed portfolios |
| Zoya | iOS, Android, Web | Free tier; Premium ~$8/mo | DIY stock pickers who want a clear verdict |
| Musaffa | iOS, Android, Web, Chrome | Free screening; paid research plans | Deep research + widest global coverage |
| Sarwa (Halal) | iOS, Android, Web | 0.50%–0.85% / year; from $500 | Gulf residents wanting automation |
| Cur8 Capital | Web, App | From £5,000 / fund | Private markets and alternatives |
| Manzil | Web | Fund fees apply | A halal mortgage or property income in Canada |
| Kestrl | iOS, Android | Free app; invest via partners | UK budgeting + first halal investments |
| Fasset | iOS, Android, Web | Free to open; trading fees apply | Digital assets and tokenized sukuk |
| Islamicly | iOS, Android, Web | Freemium; paid premium | Broad screening in Asian and Gulf markets |
How we chose
We didn't rank these by ad budget. Umatyn is a mission-driven ecosystem of the global Muslim tech world, and every app here sits in our verified catalogue — a human checked that it exists, does what it claims, and names its Shariah methodology before it earned a listing. We weighed four things: the compliance basis (a named Shariah board or a recognized standard like AAOIFI, not just the word "halal" on a landing page), real pricing rather than "contact us", where the app is actually licensed, and what people report after six months rather than on day one. Quoted fees and returns are the published figures as of July 2026; where a company hides its exact pricing, we say "from ~X" rather than guess.
The 9 best halal investing apps
1. Wahed — hands-off halal portfolios
Wahed is a robo-advisor. You answer a few questions about your goals and risk, and it builds a diversified riba-free portfolio of screened equities, sukuk and gold, then rebalances it for you.
Platforms: iOS, Android, web. Price: roughly 0.49% a year for larger balances and 0.99% for smaller ones, with a low starting amount (as little as ~$100 in some markets) and no charge on an empty account. Compliance: an independent Shariah board oversees the portfolios, and Wahed runs its own ETFs so it isn't double-charging on those slices.
Strengths: genuinely set-and-forget, a low bar to start, and it operates across the US, UK, Malaysia and the Gulf. The catch: as a percentage fee, small balances feel the cost more, and you don't choose individual holdings. Best for beginners who want to start today without learning to read a balance sheet.
2. Zoya — the cleanest stock screener
Zoya answers one question fast: is this stock or ETF halal? It screens around 12,000 US, UK and Canadian names using AAOIFI methodology, tracks your portfolio's compliance, calculates zakat on your holdings, and pings you when something you own turns non-compliant.
Platforms: iOS, Android, web. Price: a free tier with limited monthly checks, and Premium at about $8 a month (roughly $100 a year) for unlimited screening and alerts. Compliance: AAOIFI-based screening under named Shariah advisors, with purification amounts shown per holding.
Strengths: the friendliest interface in the category, an instant verdict, and some of the highest App Store and Play Store ratings around (4.5–4.7 stars). Limits: Zoya screens, it doesn't execute trades, so you still buy through your own broker, and coverage leans toward North America and the UK. Best for DIY investors who pick their own stocks and want zero ambiguity.
3. Musaffa — deepest research, widest coverage
Musaffa does what Zoya does and then keeps going. Free screening spans 120,000+ global stocks, with detailed Shariah reports, purification tracking, research, learning material, and even the ability to send daily coverage questions to scholars. It has since added managed investing too.
Platforms: iOS, Android, web, plus a Chrome extension that screens as you browse. Price: generous free screening; paid plans unlock full reports, research and trading. Compliance: AAOIFI-aligned, with Shariah experts reviewing coverage requests daily.
Strengths: the broadest stock universe of any app here, real depth for people who like to research, and strong educational content. Limits: the interface is busier than Zoya's, and the best analysis sits behind the paywall. Best for investors who want to go beyond a yes/no verdict and actually understand what they hold.
4. Sarwa (Halal) — automation for the Gulf
Sarwa is a Dubai-based digital wealth manager with a dedicated halal portfolio built from Shariah-compliant ETFs, sukuk and gold. It also offers a halal money-market option paying around 4%, so your cash isn't sitting idle in a riba account.
Platforms: iOS, Android, web. Price: about 0.85% a year under AED 50,000 and 0.50% above it, a $500 minimum for the halal portfolio, and no management fee below $2,500. Compliance: Shariah-screened holdings, regulated by the FSRA in Abu Dhabi Global Market.
Strengths: local Gulf regulation, a low entry point, and a rare halal home for spare cash. Limits: it's really built for UAE and MENA residents, and halal is one option sitting alongside conventional portfolios rather than the whole product. Best for people in the Gulf who want automated investing with an authority they can point to.
5. Cur8 Capital — private markets, opened up
Cur8 is the investment platform from Islamic Finance Guru (IFG). It curates Shariah-compliant private funds — real estate, fixed income, private equity and venture — the kind of deals usually reserved for institutions.
Platforms: web and app. Price: minimums from around £5,000 per fund, with target returns starting near 6% and running higher on riskier funds. Compliance: IFG's own Shariah expertise and due diligence sit behind every deal.
Strengths: access to private markets most retail investors never see, IFG's screening and homework, and real diversification away from public stocks. Limits: the higher minimum, money that's locked up for years rather than sold in a click, and eligibility that skews UK. Best for investors with a larger pot who want more than an index fund and can wait.
6. Manzil — a halal way to own a home
Manzil is a Canadian Islamic fintech solving one of the hardest problems in the diaspora: buying a house without an interest-based mortgage. It structures financing through Musharaka and Murabaha models, and it runs a halal mortgage fund you can invest in for income.
Platforms: web. Price: financing is a paid product; the fund carries its own fees and targets roughly 4% a year, with RRSP and TFSA eligibility. Compliance: contracts are built to avoid riba and reviewed for Shariah compliance; the fund holds first mortgages on Canadian homes.
Strengths: one of the few genuine halal mortgage routes in North America, having crossed $100M in financing, plus a way to earn from the same fund. Limits: it's Canada-only (BC, Alberta, Ontario, Québec), and it isn't a stock app. Best for Canadian Muslims buying a home the halal way, or wanting steady income from real estate.
7. Kestrl — budgeting and investing in one place
Kestrl is a UK app that starts before the investing does. It connects your bank accounts through open banking, builds a budget automatically, calculates zakat, purifies interest that lands in your accounts, and gives you savings pots for goals from Hajj to a holiday. Its marketplace then lets you compare halal investment products from partners like Minted, Simply Ethical, Yielders and Qardus.
Platforms: iOS, Android. Price: the app is free; you invest through partner providers. Compliance: company screening, interest purification, and a curated set of Shariah products.
Strengths: your whole money life in one screen, which is ideal for building the habit before you invest a penny, plus interest-free savings pots. Limits: Kestrl isn't a broker itself, investing happens via partners, and it's UK-centric. Best for UK Muslims who want budgeting and their first halal investments together.
8. Fasset — halal digital assets and sukuk
Fasset is a regulated digital-asset platform with a Shariah lens. Alongside screened crypto and tokenized gold, it offers savings that earn a return through Wakalah-based investment in sukuk — tokenized on-chain and backed by IILM sukuk, so you can see what sits behind your balance.
Platforms: iOS, Android, web. Price: free to open an account; trading spreads and fees apply. Compliance: certified by a recognized Shariah advisory firm, with sukuk structured as asset-backed ownership rather than debt.
Strengths: a rare halal route into digital assets, a transparent asset-backed return from tokenized sukuk, and on-chain proof of what you hold. Limits: digital assets are volatile, availability varies by region, and the tokenized model is still young. Best for younger investors who are comfortable with digital assets and want them screened first.
9. Islamicly — broad global screening
Islamicly gives real-time Shariah status for tens of thousands of stocks worldwide, monitors your portfolio, and alerts you the moment a holding stops being compliant. Its reach into Asian and Gulf markets is its calling card.
Platforms: iOS, Android, web. Price: freemium, with a paid premium tier for full coverage and alerts. Compliance: scholar-certified compliance data across global exchanges.
Strengths: very wide international coverage, genuinely useful if you invest outside US names, and monitoring built in. Limits: the research is lighter than Musaffa's and the interface feels dated. Best for investors trading Asian or Gulf markets who need screening that reaches beyond the usual American tickers.
Also worth a look: Ethis for Islamic crowdfunding in property and SME projects, Tabadulat for full-stack AAOIFI-based investing, and in Canada, Wealthsimple's halal portfolio remains the mainstream default many compare against.
Frequently asked questions
Does halal investing mean lower returns? No. Screening removes banks, alcohol, gambling and heavily indebted companies, which trims part of the market — but it keeps technology, healthcare, consumer goods and industrials, where most long-term growth has come from anyway. Over the past decade, major Shariah indices have tracked close to their conventional counterparts. You give up some sectors, not the ability to grow your wealth.
What actually makes a stock halal? Two tests. First, the business can't earn mainly from forbidden activities — riba, alcohol, gambling, pork, adult content. Second, the balance sheet has to pass financial ratios, usually limits on interest-bearing debt and interest income under AAOIFI rules. If a company passes but earns a little impure income, you work out that share and give it away. Apps like Zoya and Musaffa run this math for you.
Do I still pay zakat on my investments? Yes, and it's separate from screening. Broadly, you owe 2.5% each year on the zakatable portion of your holdings once you cross the nisab and a lunar year passes. For shares that's tied to the company's zakatable assets, not just the market price. Zoya, Musaffa and Kestrl all include a zakat calculator so you're not guessing.
Screener or robo-advisor — which do I need? A screener (Zoya, Musaffa, Islamicly) tells you whether something is halal; you still choose and buy through your own broker. A robo-advisor (Wahed, Sarwa) picks, buys and rebalances a halal portfolio for you. Want control and to learn as you go: screener. Want it hands-off: robo-advisor. Plenty of people use both.
Will these apps work in my country? It depends. Wahed and Musaffa are the most global. Sarwa is Gulf-focused, Manzil is Canada, Kestrl and Cur8 lean UK, and Fasset covers several emerging markets. Screeners like Zoya and Islamicly work almost anywhere because they only give information — the brokerage you actually trade through has to be available locally.
Can I start with a small amount? Yes. Wahed and Sarwa let you begin with roughly 100–500, and most screeners have a free tier. Private funds like Cur8 need more (£5,000+). Start where you can. Small and consistent beats waiting for a lump sum that never arrives.
Where to start
Pick the one app that fits where you stand right now — screening your first stock, automating a portfolio, or buying a home without a conventional mortgage — and begin. You can explore all of these, with their methodologies and real user reviews, in Umatyn's Islamic finance catalogue. Money you never have to apologize for is worth the small effort of setting it up right.