Name what you're growing toward.
Pick a goal — a home, a degree, Hajj, a quieter retirement — and set a target and a date. Ghars works backwards to the monthly amount.
Sharia-compliant investing, one month at a time
Plant a riyal. Grow a goal.
Ghars turns a small, automatic monthly amount into a portfolio built for the things that matter — a home, your children's education, Hajj. Every month adds a ring.
SAR 100is enough to start a plan
4goal types, one app
Monthlyautomatic investing, on your payday
How it works
Four taps to plant. Then it grows on its own.
Get a portfolio that fits the date.
A few honest questions about time and comfort with ups and downs. We suggest a Sharia-screened mix — and show you exactly what's inside it.
Plant on payday, automatically.
Choose an amount and a day. It moves on its own, so saving stops being a decision you have to make every month. Pause or change it any time.
Watch the rings add up.
Each month becomes a ring around your goal. You see what you put in, what it earned, and how close you are — in plain language, not jargon.
See the full walkthrough
Goals
Money with a name grows differently.
Every riyal in Ghars belongs to something. Separate goals, separate portfolios, one calm view of all of them.
Home
From the first deposit to the keys — build the down payment without touching your day-to-day account.
Example · SAR 2,000 / month · 8 years
Education
Start when they start school. Arrive at university ready.
Example · SAR 500 / month · 15 years
Hajj
Prepare for the journey of a lifetime with a plan that's as clean as the intention behind it.
Example · SAR 400 / month · 4 years
Retirement
The longest goal grows the most rings. Start early, start small.
Example · SAR 1,000 / month · 25 years
Goal simulator
Move the sliders. Watch your rings grow.
Estimated valueSAR 0
Portfolio
You plantSAR 0
Estimated growthSAR 0
Of example goal0%
Figures are examples. The simulator uses a fixed assumed yearly rate for each portfolio, compounded monthly, with no fees or zakat deducted. Returns are not guaranteed and investments can fall in value.
Portfolios & Sharia
Clean by design. Clear by default.
Three ready-made portfolios, each screened against Sharia principles. You always see what you own and why.
Balanced
For goals five to ten years away. A middle path between calm and growth.
Global equities40%
Saudi equities20%
Sukuk25%
Murabaha & cash15%
Assumed rate used in the simulator5%
No interest, anywhere.
Your money is never lent out for interest (riba), and portfolios hold no conventional bonds. Fixed income comes from sukuk and murabaha instead.
Screened businesses only.
Companies whose core business is alcohol, gambling, conventional finance or other prohibited activity are filtered out before anything is bought.
Debt limits, checked.
Companies that pass the business screen must also keep their debt and interest-bearing cash under set ratios. Holdings are re-checked regularly.
Purification and zakat, shown.
Any small income from impure sources is calculated for purification, and the app estimates the zakat on your portfolio so you can pay it with confidence.
Your money stays in your name.
Trust is not a badge on a page. It's how the system is built — so that what's yours is always visibly, legally yours.How we protect you
Held separately
Your investments are kept with an independent custodian, apart from the company's own money.
Encrypted end to end
Data is encrypted in transit and at rest, and sensitive actions always need a second confirmation.
Only you get in
Face or fingerprint sign-in, device binding, and an alert every time something changes.
Withdraw when you need to
No lock-in on your goals. Request a withdrawal to your own bank account from the app.
Fees you can read
One simple yearly fee shown before you invest. No hidden charges, no small-print surprises.
Your goals, in your pocket.
Open an account in minutes, set your first goal, and plant your first riyal before your coffee cools. Arabic and English, light and dark.
How much do I need to start?
You can open a goal with as little as SAR 100 a month. You can raise, lower or pause the amount whenever you like.
Are the portfolios really Sharia-compliant?
Every portfolio follows Sharia screening rules: no interest-based instruments, no prohibited businesses, and debt ratios checked for every holding. The method is published in the app in plain language.
Are returns guaranteed?
No. Investing carries risk, and the value of your portfolio can go down as well as up. Numbers on this page are examples to show how the app works, not a forecast or a promise.
Can I take my money out early?
Yes. Goals have no lock-in. Withdrawals are sent to a bank account in your own name, usually within a few working days.
What does it cost?
One yearly management fee, shown as a percentage before you invest, with no account opening or deposit fees.
Can I have more than one goal?
As many as you need. Each goal has its own amount, date and portfolio, and you see all of them together on one screen.
Plant your first ring.
Join the list and we'll send your invitation as soon as your place is ready.