Features
Everything you need to go from overwhelmed to in control.
Track every debt, understand your Al Etihad Credit Bureau report, and take action — with an AI coach that knows the UAE.
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Track every debt in one place
Cards, loans, BNPL, rent, even money owed to friends — with a running total of what is left and a prioritised order to clear it.
Available now
An AI assistant built for the UAE
Ask what to pay first, model your cash flow around payday, and draft hardship emails to your bank in English or Arabic.
Available now
Understand your Al Etihad Credit Bureau report
Import your official credit report and Hisab turns it into a plain-language action plan, with no jargon and no guesswork.
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Private by design
Your debts, documents, and score live on your phone. No account needed to start. Delete everything in one tap.
Hisab Debt
Available now, free to download
Organise what you owe. Know what to pay first. Track every payment. Write negotiation emails to your banks.
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Add everything you owe
Upload your bank letters or type manually. Hisab uses AI extraction to pull out the key numbers, then keeps your saved debt plan on your phone.
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See what matters most
Hisab ranks your debts by who is pressuring hardest: legal notices first, overdue second, high interest third. Not a list, a plan.
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Track your payments
Set reminders. Record payments. Watch what you owe come down as you make progress. Your debt records stay on your phone.
Available now
Write to your bank
Choose your bank and situation, and Hisab drafts a professional negotiation email in your language. Deferment requests, instalment plans, hardship notifications.
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 and documents are stored on your phone, and no account is required to start. AI features send the details needed to answer your question to Google's AI to process; nothing is kept on Hisab's servers.
- 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.