The finance app built for Gulf expats.
Log expenses by chatting in Arabic or English. Track your salary cycle, not the calendar month, and the money you send home.
No bank login needed. Free to start. English and Arabic.
One finance app for the whole GCC
- United Arab Emirates
- Saudi Arabia
- Qatar
- Bahrain
- Kuwait
- Oman
What Koma does
An expense tracker and budget app made for expat life
Every feature is shaped around how money actually works when you live and earn in the Gulf and support people back home.
Log anything. In any language. In seconds.
Tell Koma what you spent in plain language, like 'spent 80 on lunch' or 'صرفت 80 على الغداء'. Koma reads the amount, currency, and category, then logs it in seconds. No forms, no menus, no receipts to scan.
Built for the 18th. Not the 1st.
Most expats get paid on the 18th, the 25th, or any day except the 1st. Koma follows your real salary cycle, so your spending, budgets, and days remaining always match the money you have until your next payday.
Family first. Every cycle.
Supporting family is the reason many expats work in the Gulf, so Koma makes it part of the plan. Set a monthly support goal for each person, watch it fill up through the cycle, and mark it sent home when you transfer.
Every dirham has a plan.
Set a budget for each category and Koma keeps a running total against it. When a category nears its limit, the bar turns amber so you see it coming, before payday turns into a guessing game.
Save for what matters most.
Eid gifts, a flight home, a wedding, a new car, or school fees. Create a goal, add to it whenever you like, and watch it fill up. Koma keeps your goals separate from your day to day spending.
Your cycle. Beautifully summarised. 12× a year.
At the end of each cycle Koma turns your numbers into a shareable card: what you spent, what you sent home, and where your salary went. Special Ramadan and Eid editions make the moments that matter feel like a moment.
- Understands your language
- Log spending in seconds
- Ask anything about your money
Your data, protected
Bank-level security. No bank login needed.
Koma helps you understand your money without ever touching your bank account. You stay in control of what you share.
No Bank Connection, Ever
Koma never asks for your online banking login, card numbers, or account access. You tell Koma what you spent. Nothing is pulled from your bank.
Encrypted End To End
Your information is encrypted in transit and at rest, on infrastructure trusted by thousands of companies worldwide.
You own your data
Export everything to a file, or delete your account and all its data, any time. It is yours, not ours to keep.
Private By Design
We never sell your data or share it with advertisers. Koma is paid for by Koma users, not by selling what they tell us.
Pricing
Start free. Upgrade when you're ready.
Everything you need to wake up to your money is free. Premium adds more for those who want it.
| Feature | FreeAED 0Always free | PremiumComing soon |
|---|---|---|
| Log expenses in any language | Included | Included |
| Pay-cycle tracking and budgets | Included | Included |
| Family support and remittance tracking | Included | Included |
| Savings goals | Included | Included |
| Monthly Wrapped summary | Included | Included |
| AI chat assistant | Included | Included |
| Coming soon | Not included | Included |
| Coming soon | Not included | Included |
| Coming soon | Not included | Included |
About Koma
Koma is a pay-cycle personal finance app built for Gulf expats. It is for the millions of people living and working in the United Arab Emirates, Saudi Arabia, Kuwait, Qatar, Bahrain, and Oman who earn a salary in the Gulf and often support family back home. Koma lets you log expenses by chatting in Arabic or English, set category budgets, save toward goals, and track the money you send home, all in one place.
What makes Koma different from a generic expense tracker: logging is AI chat-first, so you type what you spent in natural language and the AI assistant reads it, instead of filling out forms. It is pay-cycle based, not calendar based, so it tracks your salary cycle and not the calendar month. It includes family support and remittance tracking as a core feature, not an add-on. It needs no bank login, because you tell Koma what you spent rather than connecting an account. And it is fully bilingual in English and Arabic with a right-to-left interface. Koma is free to use.
- What it is
- A pay-cycle finance and budgeting app
- Who it is for
- Gulf expats in the UAE, KSA, Kuwait, Qatar, Bahrain, and Oman
- AI assistant
- Log expenses by chatting in Arabic or English, no forms
- Cycle
- Tracks your salary cycle, not the calendar month
- Family
- Built-in remittance and family support tracking
- Privacy
- No bank login required, data never sold
- Languages
- English and Arabic
- Price
- Free
Questions
Frequently asked questions
Everything people ask before they start using Koma.
Is Koma free?
Yes. Everything you need to wake up to your money is free, including expense logging in any language, pay-cycle tracking, budgets, savings goals, family support tracking, your cycle Wrapped summary, and the AI assistant. A Premium plan is coming soon for people who want more, but the core app stays free.
Does Koma have an AI assistant or chatbot?
Yes. Koma is built around an AI chat assistant. You log expenses by chatting in Arabic or English, with no forms, and you can ask questions about your money in plain language, like how much you spent on dining this month or how much you have left this cycle, and get a clear answer back. The AI understands natural language, including a mix of Arabic and English.
Does Koma work in Saudi Arabia?
Yes. Koma is built for the whole GCC. It works in Saudi Arabia, the United Arab Emirates, Qatar, Bahrain, Kuwait, and Oman, and it understands each country's currency.
Can I use Koma in Arabic?
Yes. Koma is fully bilingual in English and Arabic, with a right-to-left interface for Arabic. You can also log expenses by chatting in Arabic, English, or a mix of both, and Koma understands you.
How do I log expenses?
You just tell Koma what you spent in plain language, for example 'صرفت 80 على الغداء' or 'spent 80 on lunch'. Koma reads the amount, currency, and category, shows a quick confirmation, and adds it to your records. No forms, no menus.
Is my data safe, and does Koma need my bank login?
Koma never asks for your online banking login, card numbers, or bank account access. You tell Koma what you spent, and nothing is pulled from your bank. Your data is encrypted in transit and at rest, it is never sold or shared with advertisers, and you can export or delete everything at any time.
What is a pay cycle and why does Koma use it?
Most expats get paid on a day that is not the 1st of the month, so a calendar-month view never matches real life. Koma tracks your salary cycle instead of the calendar month, so your spending, budgets, and days remaining all line up with the money you actually have until your next payday.
Can Koma track money I send home?
Yes. Koma has a family support and remittance tracker. You set a monthly support goal for each person you help, watch it fill up during the cycle, and confirm when you have sent money home, so supporting family is part of your plan, not an afterthought.
