Halal apps
Zoya vs Musaffa vs Islamly: the best halal stock screener app in 2026
If you're building a halal stock portfolio, the screener you use is the single most important tool in your stack — it's what stands between you and an accidentally non-compliant holding. Three apps dominate the space: Zoya, Musaffa, and Islamly. They look similar at a glance, but their screening methodologies, coverage and pricing diverge in ways that matter for serious Muslim investors.
Read our methodology and editorial policy.
Short answer
Zoya is the polished US-focused screener with AAOIFI-aligned methodology and the best mobile experience. Musaffa offers the largest global database with AAOIFI screening, purification calculators and an education layer. Islamly is the lightweight free option backed by its own scholar board — great for casual checks, lighter on advanced tools. Pick Zoya for US stocks and UX, Musaffa for global breadth and purification, Islamly if you want free and simple.
Why your halal stock screener app matters
A Shariah stock screener does two jobs: it filters out companies whose core business is impermissible (alcohol, conventional banking, gambling, adult entertainment, weapons, pork), and it runs financial-ratio screens on debt, interest-bearing assets and non-compliant income — the thresholds AAOIFI and similar standards define.
Use a screener that doesn't follow a published standard and you're trusting a black box with your akhirah. All three apps in this guide publish their methodology, but they don't apply it identically — which is why the same ticker can come up 'compliant' on one app and 'non-compliant' on another.
Zoya: the polished US-first screener
Zoya is the best-known halal screener app in North America. It runs an AAOIFI-aligned methodology with a clean iOS/Android UI, instant ticker lookups, watchlists and portfolio analysis that tells you which holdings are compliant and which need to be rotated out.
Coverage is strongest on US-listed equities and the major ETFs. Zoya also publishes detailed compliance reports — you can see exactly which ratio failed, by how much, and the breakdown of revenue sources behind the verdict. That transparency is the main reason advanced retail investors stick with it.
- Methodology: AAOIFI-aligned business activity + financial ratio screening
- Strongest coverage: US stocks, major ETFs, some international large-caps
- Free tier: limited lookups; Zoya Premium unlocks unlimited screening, portfolio tools and purification reports
- Best for: US-focused investors who want a polished mobile app and detailed compliance breakdowns
Musaffa: the global database with purification built in
Musaffa is the broadest of the three. Its database covers tens of thousands of stocks across US, UK, EU, Saudi, Malaysian, Indian and other global exchanges — useful if you trade beyond the S&P 500.
It also leans heavily into education and purification: built-in zakat and dividend-purification calculators, halal ETF and sukuk directories, an academy of short courses, and a community feed. The screening uses an AAOIFI-based methodology with the financial ratios disclosed per ticker. Web and mobile parity is good.
- Methodology: AAOIFI-based business + financial ratio screening, published per ticker
- Strongest coverage: global — US, UK, EU, GCC, Malaysia, India and more
- Free tier: basic stock status lookups; paid tier unlocks portfolio tracker, purification tools and advanced filters
- Best for: global investors who want one tool for screening, purification and ongoing learning
Islamly: the free, lightweight option with its own scholar board
Islamly is the newest of the three and takes a deliberately stripped-back approach: a free app focused on quick halal/haram verdicts for stocks, crypto and a growing list of common questions, with rulings backed by its own panel of scholars.
It doesn't try to be a full portfolio platform. Coverage and depth of financial-ratio disclosure are lighter than Zoya or Musaffa, and not every ticker has a full breakdown. For Muslims who just want a fast 'is this stock halal?' check without a subscription, it's the most frictionless choice.
- Methodology: in-house scholar board, screening criteria documented but less granular than AAOIFI-aligned competitors
- Coverage: solid on popular US tickers, growing on other assets; shallower than Musaffa globally
- Pricing: free for the core app
- Best for: casual investors who want quick verdicts without paying a subscription
Side-by-side: which halal app should you actually use?
There is no single 'best' screener — the right pick depends on what you trade and how deep you go. As a working rule:
- You mainly hold US stocks and want the best mobile UX → Zoya
- You trade globally or want purification and zakat tools in the same app → Musaffa
- You want a free, simple halal/haram check and don't need portfolio analytics → Islamly
- Serious investors often keep two: Zoya or Musaffa for primary screening, Islamly as a free second opinion
How to use any screener responsibly
No app replaces personal due diligence. Methodologies differ on edge cases — non-operating interest income near the 5% line, recently restructured companies, conglomerates with a small haram subsidiary. When two reputable screeners disagree on the same ticker, that's a signal to read both methodology pages, not just trust whichever answer you preferred.
Pair your screener with a swap-free broker so the execution layer is also compliant — otherwise a halal stock held inside an interest-bearing margin account undoes the work. See our broker review at /brokers/liquidbrokers for a structurally swap-free option.
The practical next step
Open an Islamic (swap-free) account with our partner broker — no overnight interest, no riba, ready in minutes.
Frequently asked questions
Is Zoya AAOIFI-compliant?
Zoya's published methodology is aligned with AAOIFI's Shariah standards for equity screening — business activity screens plus financial ratio thresholds on debt, interest-bearing assets and non-compliant income. They disclose which ratio failed for any non-compliant ticker.
Which halal stock screener app has the largest database?
Musaffa has the broadest global coverage of the three, spanning US, UK, EU, GCC and major Asian exchanges. Zoya is strongest on US equities and major ETFs. Islamly focuses on popular tickers rather than exhaustive coverage.
Is Islamly free?
Yes, Islamly's core stock-screening features are free. Zoya and Musaffa both offer free tiers with limits and unlock advanced features (portfolio tracking, purification, unlimited lookups) on paid plans.
What if Zoya and Musaffa disagree on the same stock?
Read both methodology pages for that ticker. Disagreements usually come from edge-case ratios (non-operating interest income near 5%, recent restructurings) or different treatment of holding companies. Lean toward the more conservative ruling when in doubt and consider asking a qualified scholar.
Do I need a screener if I only buy halal ETFs like HLAL or SPUS?
Less critical, since the ETF issuer screens for you. A screener is still useful for verifying any individual stocks you hold outside the ETF and for purification calculations on incidental non-compliant income.
Can these apps replace a Shariah scholar?
No. They operationalise scholarly standards (AAOIFI in particular) into automated screens, but novel questions, complex instruments and personal circumstances still warrant asking a qualified scholar directly.