Report updated May 20, 2026
Zoya: Halal Investing App
For muslim investors seeking to align their financial portfolios with Islamic ethical standards.
Zoya: Halal Investing App is a market-leading finance app that is free with in-app purchases. With a 4.7/5 rating from 3.8K reviews, it delivers strong user satisfaction. Users particularly appreciate clear shariah compliance screening provides confidence for muslim investors building ethical portfolios, though subscription pricing feels excessive for the provided features compared to alternative research tools remains a common concern.
What is Zoya: Halal Investing App?
Zoya is a finance app for Muslim investors that provides automated Shariah compliance screening for stocks and ETFs on iOS and Android.
Users hire Zoya to remove the guesswork from ethical investing, ensuring their portfolios align with Islamic standards without requiring deep financial expertise.
Current Momentum
v2.0 · today
Maintenance- Ships frequent bug fixes and performance updates.
- Maintains high category authority in niche markets.
What makes this app unique?
What Does It Look Like?
What Are The Key Features?
Automated screening of stocks, ETFs, and mutual funds against AAOIFI standards
Integration with external brokerage accounts to monitor portfolio compliance in real-time
Automated calculation of zakat obligations based on imported portfolio holdings
How much does it cost?
- Free tier with access to compliance ratings and screening
- Premium tier with advanced reporting and features
Freemium model provides broad access to core screening data to build user base, with premium features gated for power users.
Who Built It?
Simplifying Shariah-compliant investing for Muslim investors through automated screening and portfolio tracking tools.
Portfolio
1
Apps
Explore the full Investroo report
Portfolio breakdown, audience, momentum, and every app published by Investroo.
What do users think recently?
Low confidence · Latest 61 of 137 total reviews analyzed · Based on 137 reviews. Signal may be noisy.
How did the latest release land?
What is the recent mood?
Recent user voice shows a thrilled sentiment. Users appreciate clear shariah compliance screening provides confidence for muslim investors building ethical portfolios, but report subscription pricing feels excessive for the provided features compared to alternative research tools.
What Users Love
What Frustrates Users
What Users Want
How have ratings & review volume moved?
Rating, review sentiment, and total reviews over time, with release markers showing the post-launch impact.
Vertical markers = app releases. Hover any release for the post-release impact delta.
View the full user-sentiment analysis
Mood gauge, ratings & review-volume history, every praise / complaint / request, and sentiment over time.
What is the competitive landscape for Zoya: Halal Investing App?
Where is it available?
Localized markets (1)
How's The Finance Market?
How does it evolve in the Finance market?
Zoya holds a #1 Grossing position in the 6015 category in Jordan, though it faces significant rank volatility in larger markets like Saudi Arabia and the UAE. The gap between its discovery-led Free rank and its Grossing rank signals monetization friction relative to its niche authority.
Rank progression
55 active rankings tracked — 30-day window
Which niche is Zoya: Halal Investing App in?
to manage shariah compliant investment portfolios
Explore the full Investing Dashboards niche
Every app in this space — 595 tracked, the niche's live rankings, and Marlvel's editorial take on the job-to-be-done.
The rivals identified
Same space(2)
Represents the institutional incumbent threat, offering a comprehensive suite of professional-grade trading tools that Zoya lacks.
Differentiators
- Provides deep-dive institutional research and real-time market data that exceeds the scope of basic shariah screening.
- Offers a full-service brokerage experience including options trading, margin accounts, and comprehensive retirement planning tools.
A dominant retail investment platform that captures the 'automated savings' audience which Zoya users may eventually migrate toward for broader wealth management.
Differentiators
- Automated round-up technology turns daily micro-transactions into a consistent, low-friction passive investment habit.
- Integrated multi-account ecosystem including retirement, checking, and custodial accounts creates high switching costs for users.
New entrants(2)
Dow Jones & Company, Inc., publisher of The Wall Street Journal.
Focuses on the information-first segment of the finance market, competing for the user's daily attention and research time.
Differentiators
- Delivers real-time financial news and market sentiment analysis that informs the 'why' behind stock movements.
- Provides broad-market coverage that serves as a discovery engine for investors before they perform specific screening.
High-velocity release cadence (27 updates in 6 months) indicates aggressive feature expansion into the broader financial lifecycle.
Differentiators
- Aggressive integration of tax-filing workflows creates a seasonal engagement loop that Zoya currently lacks.
- Leverages massive Intuit ecosystem data to provide personalized financial guidance beyond simple stock screening.
Compare Zoya: Halal Investing App against every rival
All rivals in one side-by-side table — identity, store metrics, ratings & sentiment, and strategic intel — plus a head-to-head page for each.
The outtake for Zoya: Halal Investing App
Strengths to defend, gaps to attack
Core Strengths
- Automated AAOIFI-standard screening creates a high switching cost for the core user base
- Zakat calculation provides a unique annual retention hook that competitors lack
Critical Frictions
- Financial institution sync failures erode trust in portfolio accuracy
- Premium tier pricing is perceived as excessive relative to general market data tools
Growth Levers
- International market expansion into Middle Eastern and Asian stock listings would address the most frequent user request
- Data export functionality would provide power-user value for the premium tier
Market Threats
- Institutional incumbents like Schwab could add ethical filters to existing platforms, neutralizing Zoya's primary differentiator
- Subscription pricing friction causes high churn among users who only require basic screening
What are the next best moves?
Audit brokerage sync reliability because sync failures are a top complaint → reduce churn
User reviews cite sync failures as a primary frustration, directly impacting retention.
Trade-off: Pause the international market expansion sprint — stability is a prerequisite for scaling.
Introduce a mid-tier subscription because pricing is the top complaint → increase conversion
Users report the annual premium cost is excessive for their specific research needs.
Trade-off: Deprioritize the data export feature — pricing structure has a higher impact on revenue.
A counter-intuitive read
The app's niche focus is its primary vulnerability: institutional incumbents can neutralize Zoya's moat by simply adding a 'Shariah-compliant' filter to their existing, more robust trading platforms.
Feature Gaps vs Competitors
- Institutional-grade research tools (available in Schwab Mobile but absent here)
- Automated round-up savings (available in Acorns but absent here)
Key Takeaways
Zoya holds a strong category lead through its specialized Shariah-compliance utility, but it risks losing users to institutional rivals if it fails to resolve portfolio sync issues and pricing friction, so the team must prioritize technical stability over new feature expansion.
Where Is It Heading?
Stable
The halal-investing market is consolidating, and Zoya's current maintenance-mode update cadence leaves it vulnerable to institutional entrants who can easily replicate its screening logic. The team must shift focus from feature expansion to technical reliability to defend its position against larger competitors.
Financial institution sync failures in the latest version erode user trust, which compounds churn pressure among premium subscribers.
High category authority in niche markets provides a stable user base, allowing the team to focus on retention-critical stability improvements.