Learn halal investing the way it actually works, not the sanitised version
14 lessons free, forever. The full 46-lesson course is a one-off A$199, no subscription.
The problem with most halal investing resources
Halal investing information in Australia is scattered across standards that disagree with each other.
This site is built on one named standard throughout, AAOIFI Shariah Standard No. 21, not a blend of whichever rule happens to pass a stock.
Most “halal” screening tools give you a badge and ask you to trust it, with no way to check the working.
Every verdict on this site shows its real debt, cash and receivables ratios against AAOIFI's 30% ceilings, not just a pass/fail badge.
Global Islamic finance apps treat Australia as an afterthought: thin ASX coverage, no local tax or super context.
The screener, the super fund comparison and the course are built for the ASX and the Australian tax/super system specifically, with real AU-sourced thresholds and figures.
Try it first, free
Three real lessons from Financial Basics, open to everyone.
The Real Cost of Ignoring Your Money
You never get a bill for financial illiteracy, but you will spend decades paying it off.
Read free →4 min readCompounding: why your brain cannot feel it
Your brain does straight lines. Money does curves. That gap is where most of the wealth is.
Read free →4 min readThe emergency fund
It has one job, and it is not the job most people think.
Read free →Pricing
No subscription anywhere. Financial Basics stays free forever.
Financial Basics
Fourteen short lessons covering the ideas that decide most financial outcomes. No prior knowledge assumed.
- 14 lessons, about an hour total
- No account needed
- The ASX Screener, all 4 calculators and the Guides library, free for everyone
Complete Financial Literacy
A plain-language course in Islamic personal finance, built for Australia. No prior knowledge assumed.
Everything in Free, plus:
- All 46 lessons across 14 modules, lifetime access
- The Islamic Foundation
- How This Course Works
- Getting Your Base Right
- Earning and Spending on Purpose
- Riba and the Core Prohibitions
- Investing Fundamentals I: The Basics
- Investing Fundamentals II: Putting Money In
- Investing Fundamentals III: Shariah-Compliant Vehicles
- Real Estate vs. the Stock Market
- Superannuation
- Zakat
- Protecting What You Build
- Bringing It Together
30% off (A$139.30, paid in full) if you finish Financial Basics first.
Trackers
Downloadable spreadsheet trackers, a standalone add-on to use alongside the course.
- Not yet built -- details to be confirmed
- Usable offline once available
What’s actually different
| Feature | Financial Basics | Complete Financial Literacy |
|---|---|---|
| Lessons | 14 | 46 |
| Modules | 1 (standalone short course) | 14 |
| Superannuation module | — | Included |
| Zakat module (fundamentals, modern assets, purification) | — | Included |
| Estate planning, Fara’id, and Takaful | — | Included |
| Real estate vs. the stock market | — | Included |
| Shariah-compliant investing vehicles & sukuk | — | Included |
| ASX Screener, calculators & Guides library | Included | Included |
| Access | Free forever | Lifetime, one-off payment |
Modules differ by topic, not depth -- both courses use the same plain-language style throughout.
The full curriculum
01Start Here1 lesson
- What this course covers
02The Islamic Foundation2 lessons
- Money as an amanah
- What makes wealth tayyib
03How This Course Works4 lessons
- The cost of financial illiteracy
- Finance is simpler than they want you to think
- What retirement actually means
- Meet Zaid and Amina
04Getting Your Base Right5 lessons
- Where your money actually goes
- The emergency fund
- Understanding what you owe
- Consumer debt vs good debt
- Our financial steps to freedom
05Earning and Spending on Purpose4 lessons
- Every purchase is traded time
- Lifestyle inflation and the always-saving default
- Pay rises don't count unless they show up as disposable income
- Negotiating is normal, not aggressive
06Riba and the Core Prohibitions3 lessons
- What riba actually is
- Is it riba? Judging everyday products
- Why the business itself matters
07Investing Fundamentals I: The Basics6 lessons
- What happens when you buy a share
- ETFs: why boring beats clever
- Compounding: why your brain can't feel it
- Diversification without gambling
- Time in the market, not timing it
- Risk, return and time horizon
08Investing Fundamentals II: Putting Money In4 lessons
- Savings rate vs return rate: Zaid vs Amina
- The cost of waiting one more year
- Lump sum vs drip-feeding in
- Value investing vs speculation
09Investing Fundamentals III: Shariah-Compliant Vehicles2 lessons
- Shariah-compliant vehicles: screening and funds
- Sukuk, and the missing half of the portfolio
10Real Estate vs. the Stock Market4 lessons
- Why people stick with mortgages but not share portfolios
- Leverage, and the house vs shares decision
- Islamic home finance alternatives
- Property tax perks are a bonus, not a strategy
11Superannuation3 lessons
- How super actually works
- Why the default option usually fails
- Choosing a compliant option
12Zakat3 lessons
- Zakat fundamentals
- Zakat on modern assets
- Purifying non-compliant income
13Protecting What You Build3 lessons
- Markets fall. That's normal.
- Takaful and the Australian insurance reality
- Estate planning and Fara'id
14Bringing It Together2 lessons
- Your FIRE number, for real this time
- Recap and what's next
Frequently asked
How are stocks actually screened for Shariah compliance?
Against AAOIFI Shariah Standard 21: a business-activity screen, then debt, cash and receivables each capped at 30% of market cap, plus a 5% ceiling on impermissible income where disclosed. Full methodology
Is checkout secure?
Yes. Stripe processes your card directly; this site never sees or stores your card number.
Can I use this for an SMSF?
No, not on its own. This is general education, not SMSF trustee advice or compliance documentation. What a halal SMSF actually takes
Is this financial or religious advice?
No. It's educational information, not personal advice and not a fatwa. Verify independently and consult a qualified scholar before acting.
Is there a recurring charge?
No. A$199 paid in full is a one-off payment, lifetime access. The 2-instalment option bills A$99.50 twice, then stops automatically, nothing recurring after that.
Start with the free course
14 lessons, about an hour, no account needed. Upgrade to the full course whenever you’re ready.
Educational information, not personal financial or religious advice. See Methodology for how screening verdicts are produced.