Reach financial independence years sooner.
k25x is the roadmap for UAE expat professionals. Track every account. See the year your investments cover your life. That is your work-optional year. Built for people leaving the UAE, staying, or just arriving.
That work-optional year is your FIRE year. FIRE means Financial Independence, Retire Early: the moment your investments cover your spending. We show you which year that lands, and how to pull it forward.
Free forever plan. No credit card.
Net worth
$0
AED 25k/mo income · 7% return · 3% inflation · 4% SWR
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
Answers grounded in your numbers.
Bank-grade encryption.
Encrypted at rest and in transit. Read-only bank access. You can export or delete your data any time.
Defaults that match your reality.
- Zakat calculator
- Expat tax tracker
- UCITS ETF aware
AED, USD, GBP, and more.
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
—
Increase savings or net worth to reach FIRE within 80 years.
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 | |
|---|---|---|---|---|
| UAE bank support | ||||
| Zakat calculator | ||||
| Expat tax tracker | ||||
| Arabic + RTL | ||||
| UCITS-aware | ||||
| AI advisor | partial | |||
| Privacy-first |
Shipped, not promised
Six concrete things we built in the last 90 days. No roadmap fairy tales.
AI feedback loop
Every advisor report now has 👍 / 👎 + optional reason. We read every rating; aggregate acceptance-rate shows on /settings/ai-usage.
Plaid reauth scaffold
Reauth-code handling is wired in code for when bank-feeds ship (Q1 '27). One-click reconnect via email is built; activation waits on the live Plaid integration.
Monthly recap emails
Paid users get a one-screen recap on the 1st of every month: net-worth delta, savings rate, years to FIRE, and the single highest-leverage action.
Native shells scaffolded
Capacitor 6 wraps the web app for iPhone, Android, and Huawei AppGallery. Native shells are built and reviewable; store distribution is on the Q2 '27 schedule. The PWA is shipped today on every device.
Built-in transparency
AI usage dashboard shows rule hits / cache hits / LLM calls per flow. We tell you exactly what the model cost to run for you this month.
Arabic marketing pages
/ar — every marketing surface in proper RTL Arabic. App-internal Arabic UI is on the Q3 roadmap.
A note from the founder
Why I built k25x
Hi, I'm Wissam. I'm a UAE expat. I tried YNAB, Monarch, 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?
AES-256 client-side encryption. Optional password vault uses PBKDF2-SHA-256 with 600k iterations. Local-first by default — cloud sync is opt-in and key-bound. You can export or permanently delete your data at any time. When bank-feed integrations ship (Q1 '27 via Plaid + Lean), connections will be read-only and we will 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 Core. 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. Set up in under 3 minutes.
k25x is educational software, not regulated financial advice.