This is today's ceiling
The amount you can still spend today without breaking the rest of the month. It falls with every purchase and stops at zero — it never goes negative.
iPhone app · Arabic-first, English in full
What can I spend today
and still be fine until payday?
TWAZ answers with one number. It works it out on your device from your salary, your commitments and what you've already spent, and it falls with every purchase — and if you ask where it came from, it shows you every step.
Version 1.0 for iPhone, in preparation for release. No accounts, no subscription — the essentials work offline.
One number, clearly defined
Not your balance
Your account balance is one thing; today's ceiling is another. TWAZ only ever uses your balance as a safety cap, and never adds it to your budget.
And if you go over?
It tells you how much you went over today, and what today is worth from tomorrow. No judgment, and it never changes the limit you chose unless you ask it to.
The calculation
From salary to today's number
Same steps every time, on your device, with no estimating or rounding. Here's an example with simple numbers.
Monthly salary 10,000.00
Fixed commitments 3,000.00
What you want to keep 2,000.00
Spendable 5,000.00
Days left in the cycle 12
Available Today 416.66
Cycle days run payday to payday — 28, 29, 30 or 31 days, depending on your month and your payday. TWAZ never divides by a notional month.
Recording transactions
From a bank message to today's number
Type it yourself, paste the bank message, or turn on one Apple Shortcut — TWAZ reads it on your device and turns it into a transaction. The raw text never leaves your phone.
Type it, or paste it
Record it yourself in seconds, or paste the bank message's text — TWAZ reads the amount, merchant and date from the message itself.
Or one automation
Turn on one Apple Shortcut, and TWAZ picks up your bank's messages as they arrive — no need to open the app every time.
Read on your device only
Full detail in Privacy below.
Activity
Every transaction, plainly
Each one shows up with its category, and you can mark anything "not counted" so it never affects today's number.
Starbucks
Restaurants & cafés
Nahdi
Health & pharmacy
ATM withdrawal
Cash
Counted toward today
141.00
Insights
See the pattern, not just the number
Where your spending actually goes across the cycle, without ever putting your salary or balance into the same measurement.
Restaurants & cafés
640.00
Shopping
410.00
Transport
180.00
Restaurants and cafés take the largest share of your spending this cycle — 640.00 out of 1,230.00. Knowing that early is what lets you adjust before it's too late.
Privacy
Your money stays on your phone
Bank messages are read locally
The message is read on the device, and only a one-way digest is kept. The raw text is never uploaded or stored.
Never a figure in analytics
No salary, amount, merchant name or balance. What's measured is screen usage, not your money.
Works while you're offline
The whole calculation happens on the device. It needs no internet to answer you, and no account to get started.
Language
Built in Arabic, not translated into it
TWAZ is designed right-to-left first — numbers, currency and dates follow the Arabic original, and the script is the system's own Arabic font. This page is the full English experience, not a summary — read it in Arabic.
TWAZ answers with one number, every day
Same arithmetic, from the start of your cycle to its end — on your phone, without the complexity.