Why I built Amwalio
A note from the person behind it
Amwalio started as a spreadsheet. My own one.
I built it because I wanted a straight answer to a simple question: if nothing changes, what will our money look like in six months? Not a category pie chart of what we spent last month — a plain, month-by-month view of what comes in, what goes out, and what is actually left.
It worked, so I kept using it
Every month I would open it, put in what was coming in and what was going out, and look down the column. Seeing the months laid out in a row changes how decisions feel. A cost that sounds small stops being small when you can see it repeated twelve times. A quiet month tells you when to plan the bigger things, and when not to.
The useful part was never clever maths. It was having everything in one place, in front of me, with nothing hidden.
Why I am giving it away
Talking to other families, I kept hearing the same two things: budgeting apps want to connect to your bank before they will tell you anything, and none of them fit how a Muslim family actually plans — money set aside for family, giving, zakat, saving for something specific without borrowing for it.
So I turned my sheet into this tool, and filled in the gaps it had. Amwalio is free, it needs no account, and it asks for no bank connection. It is a planner, not an adviser: it adds up the numbers you give it and shows you what they mean. It will never sell you a product, take a commission, or recommend anything that charges interest.
Your numbers stay yours
Without an account, nothing leaves your browser. No sign-up, no bank connection, nothing on the cloud. Close the tab and your plan is still on your device, and only there.
With an account, your plan is saved to a database in Europe, run for us by Supabase — but only because you asked for that, and only what you chose to save. You can switch back to keeping it on the device alone at any time, and you can delete the account and everything in it yourself.
Either way, nobody here reads it. Administrators can see how many families use Amwalio and not one figure any of them has typed — the database refuses to hand it over, and there are tests that prove it rather than a promise that says so. The privacy notice spells out exactly what is kept and where.
Open-source work it stands on
We are grateful to the open-source projects that helped us refine a few features. Reading a statement or a budget on your own device is helped by pdf.js (Mozilla), Tesseract.js, read-excel-file, Fuse.js and fflate. Spreadsheets and PDFs you save come from write-excel-file and jsPDF. Text is made safe with DOMPurify, and the icons are Lucide. Thank you to the people who share them.
Tell others what you think
If Amwalio has helped your family, a few honest words from you help other families decide whether to try it. You can leave a review on Trustpilot or on Facebook. Say what did not work as well as what did.
It is early, and I would like your help
This is an early version and it is deliberately small. Accounts, zakat and spreadsheet exports are in; more help around bigger purchases comes next, and the roadmap says what else is planned. If something is confusing, missing, or plain wrong, I would genuinely like to know: hello@amwalio.app.
AbdellahFounder, Amwalio
This is version 0.644 of Amwalio.
Amwalio is free and made by one small team. If you would like to help the creator, this is where.