Hisab: UAE Debt Coach & AI

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About this app

Hisab helps UAE expats understand their debt and get out of it.

You work hard. You pay your bills. You send money home. But when debt gets overwhelming, most tools are not built for life in the UAE.

Hisab is built for UAE expats. Hisab helps you understand what you owe, what matters most, and what to do next.

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WHAT HISAB DOES
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DEBT PRIORITY ENGINE
Add your debts and Hisab shows you which to deal with first — based on urgency, cash flow, and what could hurt you most.

AI DEBT COACH
Talk to an AI coach that understands UAE debt reality — banks, BNPL, AECB, payment pressure, and creditor communication.

CREDITOR EMAIL DRAFTING
Create ready-to-send email drafts for hardship requests, deferment applications, and settlement conversations.

AECB REPORT ANALYSIS
Upload your AECB report and get a plain-language explanation of what it shows and what actions to take next.

CASH FLOW FORECASTING
See what happens between now and salary day so you can plan payments with more confidence.

HISAB SCORE — DEBT
Track your debt health score as your situation improves. The better you manage your debts, the higher your score.

4 LANGUAGES
Use Hisab in English, Arabic, Hindi, or Urdu — with proper support for right-to-left languages.

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WHO HISAB IS FOR
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- UAE expats managing loans, credit cards, or BNPL debt
- People dealing with overdue payments or bank pressure
- Anyone trying to understand their AECB report
- Expats balancing debt while supporting family at home
- People who want a clear plan, not just a tracker

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PRIVATE-FIRST BY DESIGN
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Your debt data is stored on your device by default.

When you use AI-powered features, only the information needed for processing is sent securely. Hisab does not keep raw documents on its servers after processing.

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FREE TO START
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Download Hisab and begin with free access to the core debt experience.

Available in: English · العربية · हिन्दी · اردو

gethisab.com

What’s new

This update makes Hisab smarter, clearer, and more reliable.

- Stronger AI coach with better debt analysis, payoff scenarios, cash flow guidance, and next-step actions
- Improved AECB report review with clearer progress during processing and better debt import suggestions
- Smarter in-chat actions like debt drafts, commitment drafts, debt status updates, and creditor email help
- Better support for recurring responsibilities like rent, school fees, and family support