Your whole
financial life,
in focus.

Track net worth, investments, spending and liabilities in one calm, considered place — purpose-built for residents of the UAE.

M
Good morning
Mohammed
AED USD
Total net worth
780,240
↑ 32.0% +AED 169,420 this year
Allocation
Real estate42%
Equities28%
Cash18%
Crypto12%
Fig. 01 — Dashboard Net worth · live
AED
Native currency
Live
Real-time sync
All
Asset classes
6+
Account types

Connects with the accounts you already use

Emirates NBD First Abu Dhabi Bank ADCB Mashreq Wio Dubai Islamic Bank Saxo Interactive Brokers eToro Binance
01Features

One place for
every dirham

Assets, property, portfolios and debts — gathered, valued and visualised. Always current, always in AED.

Net Worth · 12 months
780,240 ↑ 32.0%

A single, honest number — assets minus liabilities — charted over time so you always know which way you're heading.

Allocation
Net worth
780K
4 classes

See exactly how your wealth is spread across property, equities, cash and crypto.

Assets

Marina apartment2.10M

Saxo portfolio486K

Crypto wallet94K

Property, brokerages, bank balances and wallets, all in one ledger.

Liabilities

Mortgage410K

Car loan38K

Credit cards12K

Know exactly what you owe and watch your debt trend down.

UAE-native

AED by default, and built around UAE banks, RERA property valuations and end-of-service gratuity.

AED USD RERA
02Investments

See how the market
moves your money

Connect your brokerages and track every position in AED. Himma turns each market move into what it actually means for your holdings — in real dirhams, not abstract percentages.

Holdings in AED
Every position converted live, with profit and loss in the currency you actually spend.
Market impact, personalised
See how an index move or an earnings beat changed your wealth today, position by position.
Every broker, one view
Saxo, Interactive Brokers and more — all your portfolios, side by side.
Investments
Portfolio
Portfolio value ↑ 1.8% today
486,200
+AED 8,640 today
Today's market impact
S&P 500 +0.9%
+3,120
AAPL earnings beat
+1,450
Brent crude −1.2%
−480
Holdings
AAPL
Apple
40 shares
38,400
↑ 2.4%
MSFT
Microsoft
22 shares
31,800
↑ 1.1%
VWRA
World ETF
Accumulating
96,500
↑ 0.6%
Fig. 02 — Portfolio Holdings · AED
03Spending

Know where every
dirham goes

Every transaction, auto-categorised in AED. See your month at a glance, catch the charges you forgot about, and find the easy places to trim.

Spending
This month
↓ 8%
18,240
vs AED 19,830 last month
Housing6,400
Dining3,200
Groceries2,400
Transport2,240
Subscriptions 12 active · AED 640/mo
Netflix56

Spotify22

Gym membership350

+ 9 more detected212
Fig. 03 — Spending This month · AED
Auto-categorised
Transactions are sorted the moment they land — no manual tagging, ever.
Take control of your subscriptions
Himma automatically detects every recurring charge, so you never lose track of what you're paying for. Spot forgotten subscriptions and cancel what you no longer need.
Month-on-month trends
See how this month compares to the last, category by category.
04Planning

Plan the life
you want

Model retirement, big purchases and your children's future in one place. Himma projects where today's decisions take you — and shows exactly what it takes to stay on track.

Retirement projections
Know the age you can retire and the monthly contribution it takes to get there.
Buy vs rent
A personalised comparison for Dubai and Abu Dhabi, based on your equity and income.
Wills & estate
Understand DIFC wills and UAE inheritance, with a checklist tailored to your assets.
Planning
Retirement
Projected wealth On track
4.2M by age 56
Today Target · age 56
Life milestones
2027 Buy second property 1.8M
2032 Children's university 600K
2049 Retire at 56 4.2M
Fig. 04 — Planning Projection · AED
05Assistant

Ask anything
about your money

Chat through any financial decision — a home, a career move, paying off a loan early — and get answers modelled on your real numbers, not generic advice.

Assistant
Ask Himma
Live
If I buy a AED 1.4M apartment, can I still retire at 56?
Yes — with a 20% deposit you'd stay liquid, and your plan only shifts slightly.
Deposit · 20%AED 280K

Monthly mortgageAED 5,900

Retirement at 56AED 4.0M
Modelled on your live data
Pay off my car loan early? Impact of a 15% raise
Ask anything about your money…
Fig. 05 — Assistant Example · AED
Any scenario, in plain words
Ask about a home, a job move or paying down debt — type it the way you'd ask a friend.
Grounded in your numbers
Every answer is modelled on your real balances, income and goals — never generic rules of thumb.
See the maths
Himma shows the assumptions and trade-offs behind each answer, so you can trust the result.
06Security

Security at
the core

Connecting your accounts should feel safe. Himma is built so it always does.

Bank-grade encryption

Your data is encrypted in transit and at rest, to the same standards banks rely on.

Read-only by default

Himma can see balances to value your wealth — it can never move your money.

Never sold

We make money from the product, not your data. Your information is never sold on.

You're in control

Disconnect any account or delete your data permanently, whenever you like.

07FAQ

Questions, answered

When does Himma launch?
We're launching in the UAE soon. Join the waitlist and you'll be among the first to get access, plus early-supporter perks.
How much does it cost?
Early access is free. We'll share full pricing with waitlist members well before launch, with no surprises.
Which banks and brokers can I connect?
Major UAE banks such as Emirates NBD, ADCB and Mashreq, plus brokers like Saxo and Interactive Brokers and exchanges like Binance — with more added regularly.
Is my financial data secure?
Yes. Account connections are read-only and encrypted to bank-grade standards, and we never sell your data. You can disconnect or delete it at any time.
Can I track property and crypto too?
Absolutely. Property (with RERA-based valuations), crypto wallets, brokerages and bank accounts all live together in one net-worth view.
Early access · 2026

Take control of your financial future

Join the waitlist. Himma launches in the UAE soon — be among the first in, with early-supporter perks.

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