Qarar: Buy or Wait

A price tells you what something costs. Qarar tells you what it costs you.

Enter your income, your must-pays, your savings, and what you're saving for. From then on, every price you type is translated into your own units: work hours at the rate you entered, months of your flexible income, and the delay it would add to a goal.

WHAT YOU SEE • Flexible income — what is genuinely free each month, after necessities, active installments, buy-now-pay-later payments, and credit card minimums • Any price as work hours and as months of flexible income • Goal impact — how far back this pushes the thing you're saving for • Cost per use and cost per hour across the years you expect to own it • The same price in things you already buy: coffees, casual meals, a weekend out, a tank of fuel

WHAT YOU CAN DO ABOUT IT • Buy now — and confirm it by handing the amount over note by note. One deliberate moment instead of one tap. • Pay over time — track the plan and mark it financed through Tabby, Tamara, another provider, or Qarar tracking only • Wait and save — a dated plan showing the month you'd actually have it • Cool off — 24 hours to 30 days, with a countdown Live Activity on the Lock Screen and in the Dynamic Island • Or close it honestly: not buying, still deciding, or looking for something cheaper

YOUR RULES, CHECKED EVERY TIME Set the limits you actually believe in: savings you won't touch, a maximum installment share of your income or your flexible income, a cooling-off threshold above a certain price, a credit-utilisation ceiling for anything you'd put on a card. Qarar checks every decision against them and names the one you're about to cross.

BUILT FOR HOW MONEY ACTUALLY FEELS • Anxiety Mode replaces every figure with plain words — comfortable, tight, beyond this month — across the app, widgets, Apple Watch, notifications, Siri, and VoiceOver. Press and hold to peek at a single amount, or switch peeking off entirely. • Screenshot import: screenshot your Tabby or Tamara plan and Qarar reads it on your device. You check every field before it saves. The image is never uploaded.

PRIVATE BY DESIGN • No account, no sign-in, no analytics, no tracking, no ads, no third-party SDKs • On your device by default • Optional iCloud sync into your own private iCloud — off unless you turn it on • Optional Face ID, Touch ID, or passcode lock, plus hiding amounts in the app switcher and in notifications • Export everything as a file, or permanently delete all of it, from one screen

ON EVERY SCREEN YOU ALREADY USE iPhone, iPad, and Mac. Home Screen and Lock Screen widgets. An Apple Watch app with four complications. A Control Center button for a new decision. Siri shortcuts for flexible income, your next payment, and cooling-off status.

BUILT FOR THE GULF Saudi Riyal, UAE Dirham, Qatari Riyal, Kuwaiti Dinar, Bahraini Dinar, and Omani Rial, with correct 2- and 3-decimal handling. Complete Arabic, right to left, including VoiceOver.

Free. No in-app purchases.

Qarar is a personal calculator and journal. It is not a bank, lender, broker, or financial advisor, and it is not affiliated with Tabby, Tamara, or any other provider. Every figure it shows is calculated from numbers you entered yourself.