THARWAAI that understands your money.

Know your real spending number

Know how much money is really yours to spend.

Your full salary is not the same as the money you can safely use. Tharwa puts bills, savings, subscriptions, and other commitments aside first, then shows you the amount that is really left for spending and keeps it updated as you spend.

Create your account See how it works

UAE-firstOpen-finance readyCalm by design

Example month

Salary lands: 11,000

Tharwa takes out what is already spoken for, then shows the money that is actually safe to use this month and keeps that number moving automatically as you spend.

Bills reserved

2,180

Savings protected

5,000

Subscriptions and recurring costs

450

Actually safe to spend

3,370

This is the number Tharwa wants you to act from, and it drops automatically as you spend.

Real money clarityProtected before spendingOne truthful number

Protected system

Tharwa sorts your money before you spend it.

Bills, savings, and repeat costs get handled first. What stays visible is the number you can safely use, and it updates automatically as you spend.

Money comes in

Salary lands

Protected first

Bills, savings, subscriptions

Updates live

The safe number drops as you spend

Protected flow

Money gets sorted first

Handled first

Bills

Set aside

Savings

Protected

Subscriptions

Tracked

What stays visible

One clear number for safe spending

Tharwa keeps tracking it for you automatically.

Financial advisor

Ask Ghalya about your full money picture.

Ghalya is not only for purchases. She helps you understand what feels safe, what is getting tight, where your money is going, and whether a decision belongs in this month, your savings, or later.

Ask what feels safe, risky, or tight right now

Understand spending, savings, and subscription pressure

Get calm guidance before important money decisions

Ghalya

Financial guidance

What feels risky in my money this month?

Ghalya says

Food and subscriptions are pulling more than usual, so keep this week lighter.

Your core reserves are still healthy, but your flexible spending is tighter than it looks at first glance. A calmer week now keeps the month in control.

Connected system

Connect once and keep your money picture fresh.

With your permission, Tharwa brings in fresh balances and spending, then keeps your safe-to-use number updated in the background.

Connect once

Approve Lean consent one time.

Refresh automatically

New balances and spending keep flowing in.

Track the real number

Your safe-to-use amount keeps moving in the background.

Connected system

Lean + Tharwa working together

Secure by design

Live connection

Lean keeps Tharwa in sync

Automatic refresh

Connection

Consent-based and visible

Tracking

Your safe number updates as spending changes

Always in control

Manage consent and refresh your connection whenever you need.

Once connected, Tharwa updates your real number in the background.

THARWAAI that understands your money.

Loading Tharwa

Preparing your protected money view.

THARWAAI that understands your money.

Know your real spending number

Know how much money is really yours to spend.

Create your account See how it works

UAE-firstOpen-finance readyCalm by design

Example month

Salary lands: 11,000

Tharwa takes out what is already spoken for, then shows the money that is actually safe to use this month and keeps that number moving automatically as you spend.

Bills reserved

2,180

Savings protected

5,000

Subscriptions and recurring costs

450

Actually safe to spend

3,370

This is the number Tharwa wants you to act from, and it drops automatically as you spend.

Real money clarityProtected before spendingOne truthful number

Protected system

Tharwa sorts your money before you spend it.

Bills, savings, and repeat costs get handled first. What stays visible is the number you can safely use, and it updates automatically as you spend.

Money comes in

Salary lands

Protected first

Bills, savings, subscriptions

Updates live

The safe number drops as you spend

Protected flow

Money gets sorted first

Handled first

Bills

Set aside

Savings

Protected

Subscriptions

Tracked

What stays visible

One clear number for safe spending

Tharwa keeps tracking it for you automatically.

Financial advisor

Ask Ghalya about your full money picture.

Ghalya is not only for purchases. She helps you understand what feels safe, what is getting tight, where your money is going, and whether a decision belongs in this month, your savings, or later.

Ask what feels safe, risky, or tight right now

Understand spending, savings, and subscription pressure

Get calm guidance before important money decisions

Ghalya

Financial guidance

What feels risky in my money this month?

Ghalya says

Food and subscriptions are pulling more than usual, so keep this week lighter.

Your core reserves are still healthy, but your flexible spending is tighter than it looks at first glance. A calmer week now keeps the month in control.

Connected system

Connect once and keep your money picture fresh.

With your permission, Tharwa brings in fresh balances and spending, then keeps your safe-to-use number updated in the background.

Connect once

Approve Lean consent one time.

Refresh automatically

New balances and spending keep flowing in.

Track the real number

Your safe-to-use amount keeps moving in the background.

Connected system

Lean + Tharwa working together

Secure by design

Live connection

Lean keeps Tharwa in sync

Automatic refresh

Connection

Consent-based and visible

Tracking

Your safe number updates as spending changes

Always in control

Manage consent and refresh your connection whenever you need.

Once connected, Tharwa updates your real number in the background.