Qeema
A personal finance app that tracks value consumed, not just money moved.
At a Glance
Tech Stack
“I finally understand where my money actually goes instead of just seeing bank statements that make no sense. The value date feature changed how I think about spending.”
Faisal A., Freelance Consultant, Dubai
The Challenge
Most finance apps record when money leaves your bank account. That is not the same as when you actually use the value. Pay your annual rent upfront in January and every tracker on the market shows a catastrophic loss that month, even though the value spreads across twelve months. Add installment purchases, shared expenses with friends, and freelance income in three different currencies. Spreadsheets break. Existing apps break. The user's sanity breaks first.
What We Built
We built a finance app around a different principle: track when value is consumed, not when money moves. A flight purchased in March for a June trip shows up in June's report. Annual rent spreads evenly across twelve months. The app works entirely offline and syncs when it finds a connection. Multi-currency conversion happens automatically. An AI assistant flags spending spikes, suggests categories, and celebrates net worth milestones. BNPL installments and Splitwise-style shared expenses are handled natively without manual math.
Key Features
Value Date Logic
Expenses appear in reports based on when the value was consumed, not the bank transaction date. Spread one-time payments across their actual usage period.
Offline-First Architecture
Full functionality without internet. Add transactions, view reports, track net worth. Everything syncs automatically when connectivity returns.
BNPL Tracking
Log an installment purchase once. The app creates paid and pending entries automatically, showing future liabilities on the balance sheet.
AI Assistant
Context-aware AI that suggests expense categories, identifies unusual spending patterns, and forecasts net worth based on current habits.
Multi-Currency Engine
Earn in USD, spend in AED, report in INR. Auto-conversion with configurable primary currency for unified reporting.
Net Worth Dashboard
Track assets like property, crypto, and jewelry alongside liabilities. Milestone celebrations when net worth crosses targets.