Riyal Tech is a Saudi-focused personal finance platform that helps individuals understand where their salary goes and build healthier financial habits. Its free tools are designed for the Saudi market and require no bank connection or credit card. Users provide details about income, expenses, financial commitments, savings, and goals through six short steps, then receive a personalized report and a financial health score out of 100.

The platform brings budgeting features together in a financial dashboard, including summaries of income, obligations, and savings; goal tracking; and smart financial insights prioritized by urgency and opportunity. Its “What if?” simulator lets users explore how decisions, such as buying a car or home, could affect their finances and consider alternative scenarios. Riyal Tech also offers more than 16 free financial tools. For daily expense tracking, users can paste bank spending messages for automatic analysis and updates; the service supports nine Saudi banks and processes data locally on the user’s device.