Budget · UAE
Budget app in UAE: AED, multi-currency, no bank connection
AED as a first-class currency, 12 currencies total, four budgeting methods, zero bank connections.
SmartJib is a private, offline-first budget app for UAE: track spending in AED across bank, home and wallet without sharing your bank credentials.
UAEAEDEnglish · Français · العربيةNo bank connection
Why SmartJib for UAE
UAE has its own payment mix, cost of living and currency. SmartJib supports AED natively, separates needs/wants/savings from where money is held (bank, home, wallet), and never connects to your bank.
What SmartJib gives you
- AED as a first-class currency, plus 11 others with proper Intl formatting.
- Bank, home and wallet tracked as three separate balances — a cash withdrawal never looks like spending.
- No bank connections: you enter transactions manually, never share credentials.
- Four budgeting methods: 50/30/20, zero-based, envelopes, pay-yourself-first.
- Free calculators: 50/30/20, compound interest, zakat, mortgage, net worth.
- Offline-first (IndexedDB) — works on the go in UAE.
How to get started
- Choose AED as your display currency during onboarding.
- Add your monthly take-home income.
- Set up money places: bank(s), cash at home, wallet.
- Log every expense with a category and a place.
- Reconcile your wallet weekly.
Frequently asked questions
Do I have to link my bank?
No. SmartJib is built for manual entry — that is the privacy guarantee.
Does SmartJib work offline?
Yes. Entries are cached locally in IndexedDB and sync when you're back online.
Can I share a budget with my partner?
Yes. Ultimate supports shared households of up to 5 members. Core single-user budgeting is free forever.
Useful free tools
- <a href="/tools/zakat" class="underline">Zakat calculator (AED)</a> — free in your browser.