Track your debts. Make a plan. Stay calm.
Hisab helps UAE expats understand what they owe, decide what to pay first, and write negotiation letters to their bank, privately, on their phone. Free to download. No account needed.
The problem
You're not bad with money. The system just wasn't built for you.
Multiple creditors, no clear order
Emirates NBD wants their instalment. Tabby's collection team is calling. The car rental arrears are piling up. You don't know which one to pay first, or what happens if you don't.
Too ashamed to tell anyone
Debt in UAE feels like a secret you carry alone. You can't tell your family. You can't ask colleagues. And the last thing you want is an app that stores your shame on someone else's server.
No tool built for your reality
Generic budgeting apps don't know what AECB is. They don't understand travel ban risk. They've never heard of a financial remediation department. They weren't built for you.
A closer look
See Hisab in action
Your whole debt picture in one calm place: score, plan, AI, and a community that gets it.
Features
What Hisab actually does
Add what you owe. Get a plan. Take action.
Available now
Know what to pay first
Legal notices go to the top. Overdue debts come next. Current debts with high interest rates after that. One clear priority order, not a confusing list.
Available now
Write to your bank in 30 seconds
Tell Hisab which bank, which situation, what you want to propose. It drafts a professional letter in your language: deferment requests, instalment plans, hardship notifications.
Available now
See what you can actually pay
Enter your salary date and Hisab maps every payment against every dirham you earn for the next 6 months. No surprises on payday.
Available now
Private-first by design
Your debt records stay on your device by default. If you use AI chat or AI extraction, only the information needed for that task is sent securely for processing. Raw files are not stored on Hisab servers.
Available now
Track your debt health
A single number that reflects your debt load, payment status, and credit utilisation. Moves in real time as you take action. Honest, not flattering.
Available now
In your language
English, Arabic, Hindi, and Urdu. Full right-to-left support for Arabic and Urdu. The app thinks in your language, not just displays it.
Coming soon
Hisab Credit: Coming Soon
The next phase of Hisab helps you build a UAE credit profile from the financial behaviour you already demonstrate every month. Join the waitlist and we'll let you know when it's ready.
Join the waitlistCommunity
You are not doing this alone
Join a private community of UAE expats getting debt-free together: real wins, honest questions, and people who know exactly what a salary-date squeeze feels like.
You join with a nickname, never your real name. Shared wins are stripped of amounts and bank names before they leave your phone, so your finances and your identity stay separate.
Cleared my first credit card ๐
SteadyFalcon72
Three months of payments on time
KeenHarbor19
Finally understood my AECB report
BrightCedar44
Privacy
Private-first, without pretending magic
Your debt records, salary details, and plans stay on your device by default. If you use AI features, the text or file needed for that task may be sent securely for processing. Hisab does not keep raw documents on its servers after processing, and backup is always optional.
Step 1
Debt records, salary details, and plans stay on your phone by default
Step 2
AI features securely send only what is needed for the task
Step 3
Account creation is optional, only for backup if you want it
FAQ
Questions UAE expats ask us
- Is Hisab free to use?
- Yes. Hisab is free to download and use, with no account required to get started. There are no ads, and we don't sell your data.
- Do I need to connect my bank account?
- No. You add your debts manually or scan bank letters and statements. Hisab never connects to your bank or asks for your online-banking login.
- Is my financial data private?
- Your debts, documents, and Hisab Score are stored only on your phone, and no account is required. When you use an AI feature like scanning a statement, that content is processed by Google's AI to pull out the details, but it is never stored on our servers.
- What is the Hisab Score?
- It's an on-device measure of your debt pressure from 0 to 1000, calculated from what you owe and how you're managing it. It's separate from your official AECB bureau score.
- What is AECB, and can Hisab help with it?
- The Al Etihad Credit Bureau (AECB) is the UAE's official credit bureau. Hisab reads your AECB report and turns it into a plain-language action plan that shows what's hurting your score and what to do next.
- Can the AI assistant contact my bank for me?
- It drafts negotiation and hardship emails in English or Arabic for you to review and send yourself. Hisab never contacts anyone on your behalf without you.
- Does Hisab work in Arabic, Hindi, and Urdu?
- Yes. The entire app is available in English, Arabic, Hindi, and Urdu, with full right-to-left layout for Arabic and Urdu.
- Is there a community, and is it anonymous?
- Yes. Hisab has a private community of UAE expats managing debt together. You join with a nickname, not your real name, and your financial data stays separate from it.