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Tools

Free tools to understand the numbers before you decide. Results are estimates for learning only.

Not sure where to start?Answer a few short questions to map your finances and see what your goals are missing.Map my finances

Compound growth calculator

How much will my money grow if I invest every month?

See how a fixed monthly investment grows over time.

A one-off amount invested at the start. Leave 0 if none.
years
%
Illustrative only. Real returns vary and can be negative.
Estimated value after 10 years16,388 OMR
You put in Growth
You put in12,000 OMR
Growth4,388 OMR

In shortIf you invest 100 rials a month for 10 years at 6% a year, you could reach about 16,388 rials: 12,000 that you put in, and 4,388 of growth.

If you kept going for a different period
5 years6,977 OMR
10 years16,388 OMR
20 years46,204 OMR
Assumes the starting amount is invested from day one and monthly deposits at the end of each month, at a constant return compounded monthly, before fees or taxes.

IPO allotment estimator

How many IPO shares will I get, and how much comes back?

Estimate your likely allotment from the oversubscription ratio.

How many times demand exceeds the shares on offer. 5 means demand is five times the supply.
Some IPOs guarantee a minimum number of shares per applicant. Leave empty if the prospectus doesn’t say.
Shares you may be allotted200 shares
Blocked when you apply
100 OMR
Cost of your allotment
20 OMR
Refunded to you
80 OMR

In shortYou apply for 1,000 shares. Because demand is 5 times the supply, you may get only about 200 (20% of what you asked for). 100 rials are blocked when you apply, and 80 come back after allotment.

A simplified pro-rata estimate. Allotment rules differ per IPO (tranches, minimums) — the prospectus is the authority.

Portfolio allocation calculator

How do I split my money between stocks, sukuk and cash?

Split an amount across stocks, sukuk and cash.

Higher long-term growth, bigger swings.
Steadier returns, smaller swings.
For liquidity and emergencies.
Stocks · 50%2,500 OMR
Sukuk · 30%1,500 OMR
Cash · 20%1,000 OMR

In shortOf 5,000 rials: 2,500 in stocks, 1,500 in sukuk, and 1,000 in cash.

Visualizes the split you choose; it is not a recommended allocation.

Zakat on shares estimator

How much zakat do I owe on my shares?

A simple zakat estimate with the method explained.

Why do you hold these shares?The calculation depends on your intent.
Number of shares × current price, from your broker app.
Estimated zakat250 OMR

In shortYour estimated zakat is 250 rials — 2.5% of 10,000 rials — once a full lunar year has passed and your wealth is above nisab.

An estimate following a common approach (e.g. AAOIFI standards). Other scholarly views exist; for specific cases consult a qualified authority.

All content on this site is for educational purposes only and is not investment advice or a recommendation. Past performance does not guarantee future results. Consult a licensed adviser before making any investment decision.

Members

Advanced tools

Deeper tools for members: plan financing, track your portfolio, and plan your goals. Free once you sign up.

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Portfolio managerRecord your stocks and sukuk and track value, gains, dividends, purification and estimated zakat.Loan & financing calculatorMonthly payment and schedule, flat-rate vs true annual rate, and the effect of paying extra.Goal plannerHow much to save each month to reach a goal, adjusted for inflation.Dividend income plannerProject dividend income year by year, with or without reinvesting.Financial independence calculatorHow much you need for investments to cover your expenses, and when you might get there.