Smart Sarmaaya – Islamic values integrated with behavioral finance

Summary: Smart Sarmaaya combines Islamic principles with behavioral science to manage personal finance through AI-backed budgeting and unique features like the Sabar Box for controlling impulse purchases and Sarmaaya-e-Aakhirat for Zakat management. It offers a four-stream budget system and family syncing to align spending with spiritual values.

What it does

The app uses a 4-stream budget—Needs, Wants, Invest, AfterLife—supported by AI seasonal forecasting. It includes the Sabar Box, a gamified vault that delays impulse buys, and integrates Zakat and charity as core financial components.

Who it's for

It targets users seeking to manage their finances in accordance with Islamic teachings and behavioral mindfulness.

Why it matters

Smart Sarmaaya addresses detachment from spending by embedding spiritual values and patience into financial management, promoting mindful wealth growth.