Wealth analytics · No bank login
TharwaLens reads the statements your bank already gives you and separates the money you kept from the money you burned — then tells you, in plain words, whether it adds up.
Savings rate
29.3%
Income you did not burn
Reached an asset
2.2%
Actually invested or saved
Warning
Your savings aren't going anywhere
You kept 29.3% of income but only 2.2% actually moved into a savings, investment or pension account. The rest is sitting in your current account losing value to inflation.
Example month.
A budgeting app tells you that you spent AED 31,000. That is not an insight. TharwaLens asks a harder question of every line: did you keep this, or is it gone?
Leaves your account but you still own it — savings, investments, pension, gold, the principal part of a mortgage payment.
Consumption you cannot reasonably avoid — groceries, fuel, pharmacy, the basic utilities.
Contractual burn that buys you no asset — rent, insurance, tuition, interest and bank fees.
The discretionary half — dining, delivery, travel, shopping, the subscriptions you forgot about.
Paying your card from your current account is not spending. We match both legs and cancel them out — most apps count it twice.
When a line is genuinely ambiguous we ask you rather than guess. Correct it once and that merchant is settled for good.
Why there is no “connect your bank” button
Every competitor opens by asking for permanent read access to your bank account. That is also why people quit them. TharwaLens holds no login, no card number and no open-banking token for anything you own. The only thing that ever arrives is a file you chose to send.
One statement, for one month, for the accounts you pick. Nothing arrives on its own.
Remove a statement and the transactions read from it go with it. No shadow copy.
Worst case, someone reads a statement. Nobody can move a single dirham of yours.
Your income, your accounts, the property, the loan, the brokerage balance. Estimates are fine — every edit is kept as a dated snapshot, so your net worth builds a history from day one.
The PDF or CSV your bank already emails you. We read every line, match the transfers between your own accounts, and check the arithmetic closes before we trust it.
Whether your savings are actually compounding, what your runway is, which costs quietly grew faster than your income. We nudge you on WhatsApp when next month's statement is due.
The same product either way — every feature, no tiers, no upsell.
Standard
$10/ month
UAE, Saudi and the GCC, UK, US, Europe, Singapore, Australia.
Regional
$1/ month
Egypt, Pakistan, India, Nigeria, Lebanon, Jordan and more — set by where your money actually goes further.