Questions, answered plainly.

No — never. Mizan doesn’t ask for online-banking passwords, PINs or one-time codes, and has no feature that could use them. You bring information in yourself — bank SMS alerts, statements and balances — or connect an investment account read-only. If anyone asks for these details in Mizan’s name, it isn’t us.

A web app for keeping a clear monthly record of all your money: bank accounts, cards, loans, cash and investments, wherever they’re held. Mizan reads what you bring in, asks one clear question about anything it isn’t sure of, and helps you plan on payday and close each month. It isn’t a bank and never holds your money.

Start with one account and one pasted message — your first useful result takes about two minutes. Add other accounts, a monthly plan and your investments whenever you’re ready. Mizan starts from the day you begin; it never fills in months you didn’t record.

Mizan is a web app and works in your phone’s browser. An Android companion that sends your bank messages to Mizan as they arrive is being tested; it isn’t in an app store yet. Until then, paste messages or upload a statement.

Alerts from 27 banks in Oman, the United Arab Emirates, Egypt, Iran, India and the United States: Abu Dhabi Commercial Bank, American Express India, Arab Bank, Bankino (Middle East Bank), Bank Muscat, blu Bank, Chase, CIB Egypt, Citi, Discover, Emirates Islamic, Emirates NBD, First Abu Dhabi Bank, HSBC, Liv, Mashreq, Bank Mellat, Bank Melli Iran, National Bank of Egypt, Parsian Bank, Bank Pasargad, Resalat Bank, Bank Saderat Iran, Charles Schwab, Bank Sepah, Standard Chartered, Bank Tejarat. More are being added.

A message Mizan can’t read isn’t discarded: it’s kept exactly as you pasted it, so you can fill in the details yourself.

It goes to your Review Inbox with one specific question — for example “What was the amount?” or “Which date?”. Nothing is applied until you answer. A missing amount is never counted as zero.

Mizan compares it with what’s already recorded and shows the two side by side, with the reference numbers. You decide whether it’s the same purchase — nothing is merged silently. Two real purchases that look alike, such as two coffees on the same day, stay separate.

Yes: a CSV file from any bank, or a Bank Muscat PDF statement. Mizan matches its rows against what you’ve already captured, so nothing is counted twice, and shows a preview before anything is saved. Statements are also how you reconcile a month.

No. Moving money between your own accounts is a transfer: it changes where money sits, not how much you have. The same goes for paying off your credit card — the card purchases were the spending, and the repayment isn’t counted again.

The part of this month’s planned income you haven’t assigned to anything yet. It’s a planning number, not cash — it doesn’t sit in an account of its own. In the example September plan, the margin is OMR 20.000.

No. Mizan never moves money. A plan records what you intend income to do — living costs, bills, your reserve, investing. Paying and transferring stay with your bank.

An upcoming bill is a forecast: it shows the expected date and amount and is labelled as not yet paid. It becomes a transaction only when evidence arrives — a message, a statement row, or your own entry. A variable bill, like water, shows an estimate until the real amount is known.

Add it as an annual bill with its due date. Mizan shows a monthly planning equivalent — for example, car insurance of OMR 96.000 a year becomes OMR 8.000 a month in your plan — but it’s only counted as spending when it’s actually paid.

Because it’s your own money moving into the account: a contribution, not a return. Mizan keeps them apart. In the example, the eToro account went from USD 57,800.00 to USD 60,000.00 in September — USD 1,600.00 of that was contributions and USD 600.00 was investment change.

In their own currency, with the value in the currency you choose to see amounts in beside it. The exchange rate used and its date are always shown: a published reference rate — for the Omani rial, the Central Bank of Oman’s — or a newer one you enter. A dollar holding is never shown as if it were in your currency.

Any of them. Accounts and investments keep their own currencies, and you choose the currency you see totals in — the Omani rial, the UAE dirham, the US dollar or another — and can switch it at any time. Spending in another currency counts at the rate on its date, and every conversion shows its rate, date and source.

A plan or a month close keeps the currency it was made in, so a month you signed off never changes when you switch what you see.

Mizan never places trades. You can connect eToro read-only, so its balance comes in by itself, or enter an account’s value when you check it; more brokers are planned. Either way the value is shown with its date — an old value is never passed off as live.

No. Mizan organises and explains your own numbers. It never recommends what to buy, sell or hold.

Yes, any time. Download everything as one file from Settings, reports as Excel or CSV, or delete single items, a whole workspace or your account. Deleting your account removes it and its records.

No. Your data is not sold and not used for advertising.

Mizan needs a connection. On Android, the capture companion keeps new bank messages until you’re back online, then sends them.

Not yet. The interface is English today; Arabic, with a right-to-left layout, is designed and on its way. Amounts keep their full three decimals in both.

Plus isn’t priced yet — it’s a proposal, and its contents, such as shared spaces, aren’t final. The core product is free with no end date, and capturing your money is never behind a paywall.

No. Capture, planning, the monthly close, reports and export stay free for as long as you use Mizan.