Halal Screening · Research · Your Own Fund

Is it halal?Is it worth buying?

Ask about any stock, fund or coin. You get a clear halal verdict under the standard your scholar follows, a rating that tells you whether it deserves your money, and the evidence to check both.

Free to start · No card needed · English & العربية

Try A Name. Tap one and the card re-screens.

Any of 2,648 →
AAAppleAAPL · Stock · Consumer Tech
The Verdict
Halal to own

Purification Required · 0.8% of dividends

Under AAOIFI 21 · switch standards any time
The Xumirah Rating
8282 · StrongXumirah Rating
Fundamentals84
Risk76
Momentum80
The 13 Checks
13 checks · 13 pass
Interest-Bearing Debt11.2% · cap 30%
Every number carries evidence. Open any check to see the source, quoted and archived.Open The Full Verdict
2,648companies you can screen right now13checks on every name, from riba to sanctions6Shariah standards, so you can follow your scholar100%of verdicts carry evidence you can open and check
01 · The 13 Checks

Most screeners stop at the ratios.
Xumirah keeps going.

Invest by your faith and your conscience at the same time. Decide where you stand on weapons, fossil fuels, human rights and more, and every verdict, fund and basket follows your rules. You set them once; they apply everywhere.

Always On · The Shariah Screen 4
✓Business Activity

No alcohol, gambling, tobacco, adult media or conventional finance.

✓Interest-Bearing Debt

Under 30% of market cap by AAOIFI 21, the default standard.

✓Cash & Interest

Cash and interest-bearing holdings kept under the same cap.

✓Impure Income

Non-halal revenue under 5%, with the purification amount computed.

Yours To Set · Defense & Values Filters 9
✓Military & Defense

Weapons exposure on a 0–5 severity dial. You set where the line sits.

✓Fossil Fuels & Coal

Producers and expanders, from the Urgewald lists.

✓Controversial Weapons

Cluster munitions, landmines and nuclear arms, from ICAN.

✓Human Rights

Documented abuses, from NBIM and UN OHCHR findings.

✓Occupied Territories

Companies active in occupied territories, from the UN list.

✓Forced Labour

Supply-chain forced labour, from US Department of Labor data.

✓High Emissions

The heaviest emitters, measured against their own sector.

✓Bribery & Corruption

FCPA and UKBA enforcement actions on record.

✓Sanctions Exposure

OFAC, EU and UN sanctions lists.

Always on. You choose the standard your scholar follows, but the Shariah screen itself can never be switched off. Defense and the eight Values Filters are yours: set the severity, turn them on, and every verdict, fund and basket obeys them.

One Name · Two Different RedsSHShellSHEL · Energy✓ Halal by AAOIFI 21✕ Excluded by your Fossil Fuels filter

Red means excluded by you, not haram. You always know whether it is the Shariah ruling or your own values keeping a name out of your universe, and what would bring it back.

02 · The Xumirah Rating

Halal is half the answer.

Halal tells you what you may own. The Xumirah Rating tells you what deserves your money, so you can choose between two halal stocks with confidence instead of guessing.

  1. 01Know what you may own.

    Every name is screened your way first, so nothing that breaks your rules ever reaches your shortlist.

  2. 02Know what deserves your money.

    One number lets you compare any two names in the market, so you can tell a strong investment from a weak one at a glance.

  3. 03Know why, in plain English.

    The reasoning and the data behind every number are one tap away. A rating, not advice: the decision stays yours.

INIntelINTC · SemiconductorsHalal
49
Fundamentals46
Risk52
Momentum44
MSMicrosoftMSFT · SoftwareHalal
85
Fundamentals88
Risk79
Momentum81

Strong fundamentals and durable cloud growth. The valuation is high against its own history.

Microsoft and Intel pass the same 13 checks. The Rating is what separates them.
Build · Your Halal 100
StartThe S&P 500503 names
MSFTAAPLNVDAJPMGOOGLBALLYWFCAVGO+494 more
↓ Your 13 checks remove 207 names
Screened296 names passclean by construction
↓ Weight caps keep any single name under 8%
Your FundHalal 100no fund fees
MSFT8.0%AAPL8.0%NVDA7.6%

$10,000 over 5 years → $18,460 · the index: $16,410 · purification 0.31% of dividends

03 · Build Your Own Fund

The index fund fails.
Build its halal twin.

Over a third of the S&P 500's weight fails the Shariah screens. You do not have to give up on index investing: keep the names that pass as your own fund, with no fund fees.

  1. 01Start from an index, or from all 2,648 names.

    The S&P 500, the Nasdaq-100, or the whole screened universe.

  2. 02Get a basket that is clean by construction.

    Everything that fails your checks is removed for you, and weight caps keep any single name from dominating.

  3. 03Backtest it, export it, track it.

    See how it would have done, send it to your broker in one file, and follow it as a portfolio. There are no fund fees.

Start Building
Methodology

Follow the standard your scholar follows.

Every standard asks the same three questions: is the business halal, is any haram income only incidental, and is the company built on interest? They differ only in where the lines sit. You choose the standard you trust, switch any time, and every verdict recomputes instantly; the Shariah screen itself can never be switched off.

AAOIFI 21 Defaultdebt < 30% · cash < 30% · impure < 5%The strictest of the six, and the rulebook most Islamic banks follow. Caps measured against market cap; the default for every new account.
Dow Jones Islamic 33% caps · trailing avg market capThe screen behind the first Islamic stock index, set by a six-country scholar board in 1998. Caps rise to 33% of the trailing average market cap.
FTSE Shariah 33% caps · total assetsThe London index screen. The same 33% caps, measured against total assets instead.
MSCI Islamic 33.33% · total assetsThe global index screen, with one 33.33% cap applied to debt, cash and receivables alike.
SC Malaysia 5% / 20% revenue · 33% assetsMalaysia's national standard, set by its Securities Commission's scholars. A two-tier revenue screen plus 33% total-asset ratios.
Indonesia OJK debt ≤ 45% · impure ≤ 10%Indonesia's national standard, set by the DSN-MUI scholars' council. The most permissive of the six.

The caps trace to a well-known hadith (the Prophet ﷺ told a companion that “a third is a lot”), and the modern screens to a 1998 scholar board and AAOIFI's 2004 standard, not to any one madhhab. Thresholds are summarised here; the full methodology, the sources and the evidence behind every check are published.

After The Verdict

The verdict is the start,
not the end.

Owning halal brings duties of its own. Purification, zakat, drift and evidence are computed for you, from the holdings you actually have.

Purification Computed

You get one number to give to charity each year, worked out from the dividends you actually received.

Zakat Computed

Your zakat estimated from your holdings, with a reminder before your date. There is nothing to type in.

Alerts On Your Holdings

If a holding fails a screen or drifts toward a cap, you hear it from us before you read it in the news.

Funds Weighed Name By Name

An ETF is judged by its holdings. You see exactly which slice of the weight passes, and which names drag it down.

Crypto Held To Substance

Know which coins have real substance and which are pure speculation, with both scholarly positions set out in full.

Every Claim Archived

The page behind every verdict is saved the day we screened it, so the evidence outlives the link.

Pricing

The verdict is free.
The reasons are $9.

Anyone can ask Is it halal? and get the ruling, free, under the strictest standard. The reasons behind every verdict, your own rules, and the tools around your money: that is Pro.

FreeFor The Answer
$0forever · no card needed
  • ✓The Halal Verdict on any of 2,648 names, always
  • ✓The standard behind it and the 13-check pass count
  • ✓3 Full Analyses a month, evidence included
  • ✓One portfolio, a watchlist and all 22 lessons
Founding Price
ProFor Your Money
$9a month
or $79 a year · save 27%
  • ✓The why behind every verdict · unlimited Full Analyses
  • ✓Your Engine: six standards, Military dial, Values Filters
  • ✓Compliance Alerts · Purification and Zakat computed
  • ✓Full ETF look-through · backtest, export and track baskets

Invest with a clear conscience.

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