Zoya is a halal stock screening app for Muslims who want to check whether a publicly traded company passes common Shariah business and financial screens. It is not a brokerage, does not hold your money, and does not execute trades. In 2026, that distinction matters: if you searched “Zoya investing app,” you are probably looking for a compliance tool, not a place to buy shares.
Use Zoya when you DIY stock picks at a normal brokerage. Skip it if you want a managed portfolio or a one-fund ETF core. Related: Zoya vs Musaffa, is investing in stocks halal?, and the investing hub.
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What Zoya Is (and Is Not)
| Zoya does | Zoya does not |
|---|---|
| Screen stocks for Shariah compliance signals | Act as a brokerage |
| Show business and financial screen context | Buy or sell shares for you |
| Help DIY investors research tickers | Guarantee a personal religious ruling |
| Offer free and paid feature tiers | Replace a diversified long-term plan |
How Zoya Screens Stocks
Like most AAOIFI-style retail workflows, Zoya-style screening usually combines:
- Business activity screening: flag involvement in prohibited industries such as conventional interest-based finance, alcohol, gambling, and similar categories
- Financial ratio screening: limit excessive interest-bearing debt and interest income against common thresholds
A pass label means the company currently clears that methodology. It is not a fatwa, and status can change after acquisitions, debt raises, or segment shifts. Re-check before you buy and on a regular schedule.
Industries Typically Excluded
- Conventional banking and interest-based financial services
- Alcohol production or distribution
- Gambling and related businesses
- Pork and other commonly prohibited product lines
- Adult entertainment and similar categories
Key Features Muslim Investors Actually Use
- Ticker search with compliance outcome
- Financial ratio and screening detail (deeper on paid tiers)
- Watchlists / ongoing monitoring workflows (feature availability varies by plan)
- A faster alternative to reading 10-Ks for every idea
Zoya Pricing
Zoya offers a free tier for basic screening and paid tiers for additional research features. Exact prices and gates change, so confirm inside the app before you subscribe. For casual DIY investors, start free and upgrade only if you hit a feature wall.
Zoya vs Other Halal Investing Options
| Option | Job | Choose when |
|---|---|---|
| Zoya | Stock screening | You pick individual stocks |
| Musaffa | Screening + deeper research | You want more analytical depth |
| Halal ETFs (SPUS, HLAL) | Diversified screened funds | You want simplicity |
| Managed apps (e.g. Wahed) | Portfolio management | You want hands-off investing |
Compare tools in best halal investment apps and ETF paths in SPUS vs HLAL.
Top Providers for This Topic
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Who Should Use Zoya?
- DIY Muslim investors who already have a brokerage
- Beginners who want a simple compliance check before buying
- Investors building a satellite stock sleeve around an ETF core
Who should skip it: anyone searching for a place to deposit money and have someone else invest it.
Frequently Asked Questions
Is Zoya a brokerage?
No. Zoya does not execute trades or custody assets.
Is Zoya free?
There is a free tier. Paid plans unlock more features. Check current pricing in the app.
Can Zoya guarantee a stock is halal?
No app can issue a personal religious ruling. Zoya applies screening methodology; you still decide with your own standards and scholar if needed.
Is Zoya good for beginners?
Yes for screening. Beginners who do not want stock picking should consider a halal ETF first.
Zoya vs Musaffa: which is better?
Zoya for speed; Musaffa for depth. See the full Zoya vs Musaffa comparison.
The Bottom Line
Compare providers in your state
See side-by-side comparisons of Shariah-compliant products, or let our matcher recommend the best options for your situation.
Zoya is one of the most useful halal stock screeners for U.S. Muslims in 2026, as long as you treat it as a research tool, not an investing account. Screen, then trade elsewhere, and keep your core plan diversified on the investing hub.
