Akinda vs Zoya
Free AAOIFI Ratio Math vs Multi-Standard Screening
Co-Founder, HalalWallet
Reviewed quarterly when provider data or pricing changes.
Our Verdict
Akinda is the better free look at AAOIFI Shari'ah Standard No. 21: every verdict shows the ratio math, and the full screener is not gated. Zoya is the stronger overall research app if you want two named scholars, Pro access to S&P, MSCI, Dow Jones, and FTSE rulebooks on the same ticker, and a more established product. Neither is a brokerage you should treat as your only account - Akinda says it does not hold funds or execute trades; Zoya can pass orders through selected brokers. Pick Akinda to verify AAOIFI math without paying. Pick Zoya when you need multi-standard switching or a longer track record.
Side-by-Side Comparison
| Feature | Akinda | Zoya |
|---|---|---|
| Type | Halal stock research and screening app | Halal stock screener + research platform |
| Free tier | Full stock screener with visible AAOIFI ratios | Status-only screening; ratio detail is on Pro |
| Screening standard | AAOIFI Shari'ah Standard No. 21 only | AAOIFI default; Pro adds S&P, MSCI, Dow Jones, FTSE |
| Shariah oversight | Named CSAA adviser Dr. Muhammad Nazir Khan; no multi-member board | Sheikh Joe Bradford (AAOIFI CSAA) and Sheikh Umer Khan |
| Coverage | US, UK, and Canada listed equities | Stocks in 13 markets; US fund screening |
| Execution | Research only - no custody or trade execution | Research plus order pass-through at selected brokers |
| Paid plans | $7 / $9 / $20 per month | $14.99/month or $119.99/year via app stores |
| Founded | 2023 | 2020 |
Which Should You Choose?
You want to see AAOIFI ratio math without paying
→ Akinda- The free tier includes the full screener and displays the underlying ratios on every verdict
You want to compare the same stock under several Shariah standards
→ Zoya- Pro re-screens a ticker under S&P, MSCI, Dow Jones, and FTSE rulebooks
You want two named scholars behind the methodology
→ Zoya- Sheikh Joe Bradford (AAOIFI CSAA) and Sheikh Umer Khan vs Akinda's single CSAA adviser
You invest mainly in US, UK, or Canada listed names
→ Either- Both cover those listings; Akinda is cheaper to use in depth, Zoya is broader
Understand the evidence behind this comparison
Prefer a ranked pick for your situation? See our evidence-backed guides:
Akinda Full Review
Pros, cons, rates & details
Zoya Full Review
Pros, cons, rates & details
Not sure which is right? Compare all Investing providers.
Browse All Investing OptionsFrequently Asked Questions
Is Akinda a better stock screener than Zoya?
Not overall. Akinda is stronger on free, visible AAOIFI Standard 21 math. Zoya is stronger on scholar bench, multi-standard switching, and market coverage. More listing detail from a provider is not the same as a higher HalalWallet score.
Does Akinda execute trades?
No. Akinda's listing states it does not hold client funds, execute trades, or manage portfolios. Screen there, then buy through your own brokerage.
Can I use both?
Yes. Many investors will use Akinda to inspect AAOIFI ratios for free and Zoya when they want another standard or a linked portfolio.
Halal verdicts for popular stocks
Full AAOIFI-based Shariah screens for individual stocks - business activity, financial ratios, and where scholars and screeners differ.
Which is better: Akinda vs Zoya?
Akinda is the better free look at AAOIFI Shari'ah Standard No. 21: every verdict shows the ratio math, and the full screener is not gated. Zoya is the stronger overall research app if you want two named scholars, Pro access to S&P, MSCI, Dow Jones, and FTSE rulebooks on the same ticker, and a more established product. Neither is a brokerage you should treat as your only account - Akinda says it does not hold funds or execute trades; Zoya can pass orders through selected brokers. Pick Akinda to verify AAOIFI math without paying. Pick Zoya when you need multi-standard switching or a longer track record.
- You want to see AAOIFI ratio math without paying: Akinda - The free tier includes the full screener and displays the underlying ratios on every verdict
- You want to compare the same stock under several Shariah standards: Zoya - Pro re-screens a ticker under S&P, MSCI, Dow Jones, and FTSE rulebooks
- You want two named scholars behind the methodology: Zoya - Sheikh Joe Bradford (AAOIFI CSAA) and Sheikh Umer Khan vs Akinda's single CSAA adviser
Source: HalalWallet (halalwallet.us)
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Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: March 2026
How to cite this page
How to use this comparison: HalalWallet is an independent educational comparison platform - by design, we do not provide financial, legal, or religious advice. We do the research homework so your final checks are quick and personal.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
- Confirm current terms and halal compliance directly with the provider - their quote is final.
- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
- Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.