One tool. Every account. A clearer future.
Designed around how you actually live and invest in the GCC.
See your FIRE year shrink as you go.
Plug in your accounts and goals. We build a year-by-year roadmap with milestones, contribution targets, and tax-aware allocations.
Net worth
$742k
Save / mo
$6.4k
Years to FI
11
Illustrative figures — your roadmap uses your own numbers.
Answers grounded in your numbers.
Encrypted in transit; sensitive credentials encrypted at rest.
Sensitive credentials — bank tokens, your 2FA secret — are encrypted before they touch storage; all traffic is encrypted in transit. Bank-feed access, when enabled, is read-only. Export or delete your data any time.
Defaults that match your reality.
- Zakat calculator
- Expat tax tracker
- UCITS ETF aware
One reporting currency, every account.
Every balance shows its native amount with an ≈ conversion into the reporting currency you choose.
The math that compounds.
When could you retire?
A quick estimate using a 7% real return and the 4% withdrawal rule. Target spend AED 293,800/yr (FIRE number AED 7,345,000). No signup needed.
Estimated FIRE year
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Interactive calculator — loading.
FIRE target: AED 7,345,000 (≈ $2,000,000 USD)
Educational estimate only. Actual outcomes depend on returns, inflation, taxes, and spending. Not financial advice.
The only one built for your life.
Other tools were built for US 401(k)s. We were built for AED salaries, UCITS ETFs, Zakat, and global mobility.
| YNAB | Monarch | Excel | K25x | |
|---|---|---|---|---|
| Zakat calculator | ||||
| Expat tax tracker | ||||
| UCITS-aware | ||||
| AI advisor | partial | |||
| Privacy-first |
Shipped, not promised
Five concrete things we built in the last 90 days. No roadmap fairy tales.
Home, one net worth everywhere
A redesigned Home leads with your net worth in your reporting currency, a 30-day change, a five-chip KPI strip, and a composition-by-currency board. Six surfaces that used to compute net worth independently now read one canonical figure.
Five destinations
Primary navigation is now Home, Accounts, Budget, Invest, and FX. Everything else moved under “More” — nothing was removed, and every page keeps its address.
FX board
A new FX destination shows every currency you hold paired against your reporting currency — the current cross-rate, recent change, a sparkline, and your held exposure. Pegged pairs (AED and SAR to USD) carry a quiet “pegged” badge.
Reporting currency
A display currency independent of your base. Every money surface shows the native amount with its ≈ conversion alongside, and a tooltip states the rate used and when it was fetched. Egyptian pound (EGP) joins the currency list.
Invest alignment (display-only)
A new Invest destination reads the holdings from Portfolio and shows a Boglehead alignment figure (0–100) — a measurement of how the current mix compares to an illustrative target, with a full “How is this computed?” disclosure. No trade or rebalance controls; informational only.
A note from the founder
Why I built K25x
Hi, I'm Wissam. I'm a UAE expat. I tried the usual budgeting and net-worth apps, and a stack of spreadsheets, for years. None of them got what it's like to hold AED for daily life, USD for the global market, and a UK pension you can't touch yet. So I built this.
K25x keeps your data on your device by default. It does the math on the things that actually matter at the border-crossing edge: end-of-service gratuity, multi-currency net worth, pension portability, where your zakat-bearing assets sit. If that's your life too, this is for you.
Questions or feedback? hello@k25x.ai — I read every message.
Questions we get a lot
Is this financial advice?
No. K25x is educational software. We show you your own numbers, run calculations, and explain principles. For regulated advice specific to your situation, speak to a licensed advisor. Every AI report carries this disclaimer plus a 👍 / 👎 feedback button so you can flag anything that reads wrong.
How is my data protected?
Your password vault and BYOK provider keys use AES-256 client-side encryption (PBKDF2-SHA-256, 600k iterations) in on-device storage. Local-first by default — cloud sync is opt-in. Note: data you sync to the cloud is stored in Firestore protected by Google Cloud’s at-rest encryption and per-account access rules, not by the app’s own end-to-end encryption. You can export or permanently delete your data at any time. Read-only bank-feed connections (via Plaid + Lean) are on our Q1 2027 roadmap — we never see your bank password.
Which banks are supported?
Right now: manual entry in any currency. You log balances, transactions, holdings — we do the multi-currency math, peg-aware. Bank-feed integrations are on our Q1 '27 roadmap (Plaid for US/UK/EU + Lean Technologies for the GCC). Until then, most users update over coffee once a month and value the privacy of not handing over bank credentials.
Can I use this on my phone?
Yes. The web app is a Progressive Web App — install it to your home screen on iPhone, Android, or Huawei and it runs offline. Native shells (iPhone App Store, Android Google Play, Huawei AppGallery) are scaffolded via Capacitor and on the Q2 '27 release schedule — until then, the PWA route gives you full functionality on every device.
Why no AUM fees?
It is a structural decision. Empower charges 0.89% of your portfolio per year — on a $500k portfolio that is $4,450 every year, forever. We charge a flat $99/yr for Pro. The bigger your portfolio grows, the more you save. Subscription only, no upsell to a 0.89%-AUM advisor at the end.
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Take control of your financial future.
Free forever plan. No credit card.
K25x is educational software, not regulated financial advice.