Is your whole portfolio Shariah-compliant? Add your holdings to see your overall compliant %, why each name is flagged, its AAOIFI ratios, and compliant alternatives.
Estimate, not religious advice. Ratio screening uses best-effort public fundamentals; verify with your scholar or Shariah board before acting.
Two layers, following AAOIFI-style rules: (1) business activity - names in interest-based finance, alcohol, tobacco, gambling, weapons, adult or conventional insurance are non-compliant; (2) financial ratios - debt to market cap and non-compliant income must stay within limits. This tool screens every holding, weights it by value, and gives your whole portfolio a compliant percentage.
It means scholars differ, or a name sits close to a ratio threshold and needs a deeper look - for example some cryptocurrencies or companies with mixed income. It is neither clearly compliant nor clearly prohibited; confirm with your scholar.
If a compliant company still earns a small amount of impermissible (e.g. interest) income, that portion of your dividends should be given to charity to keep your wealth clean. This tool flags where purification applies; Alvest calculates the exact amount from your real dividends inside the app.
For non-compliant holdings we suggest well-known Shariah-compliant swaps in the same space - for example an Islamic bank instead of a conventional one, or a Shariah ETF instead of a broad-market ETF. These are starting ideas, not recommendations - do your own research and confirm with your Shariah board.
Scholars differ on cryptocurrencies. We classify Bitcoin and Ethereum as "questionable", while interest-bearing stablecoins are "non-compliant". Verify against your own reference ruling.
No - these are estimates based on curated activity classification and best-effort public financial ratios. Shariah boards apply different methodologies, so always confirm with your board or scholar before acting. This is not religious or financial advice.
