Ghars doesn't ask you to become an expert. Four steps take a few minutes, then every month runs on its own, and you can still see every riyal.
Scroll to stack the cards. This is what the app actually looks like, with example numbers.
Pick a type of goal, then an amount and a date. It doesn't need to be exact; you can change it later as life changes.
We ask how long you have and how you'd feel if the value dipped for a while. Then we suggest one of three Sharia-screened portfolios and show you exactly what's inside.
Choose an amount and a day. It moves on its own each month, so saving stops being a decision and becomes a habit. Pause or change it at any time.
Every month is a new ring around your goal. You see what you put in, how its value changed and how far is left, in plain words without jargon.
An example timeline for a monthly plan on the 27th. Real timings depend on your bank and working days.
A notification the day before, with a button to skip or change it.
It transfers from your bank account to your investment account, in your name.
On the next working day it's spread across your portfolio, in its set proportions.
The app shows what you planted and where you stand against the goal.
A plain summary: what went in, what changed, and what to adjust if you're behind.
When the mix drifts from its plan, we bring it back after letting you know, without you having to do anything.
The app estimates the zakat on your portfolio and any purification amount, so you can pay both with confidence. Read our Sharia approach.
Request a withdrawal to a bank account in your name whenever you need. No withdrawal fee in our example fee table.