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Investing comparison

Amal Invest vs Zoya

Amal Invest and Zoya both offer investing. This page lines up 14 listed data points side by side, with 9 differences, so you can see exactly where they part ways before you request quotes.

Built from each provider's listed data · provider data last verified Aug 2026

At a glance

  • Both are available in all 50 states.
  • Amal Invest uses Fund reconstruction with AAOIFI screening (via Zoya); Zoya uses Stock Screener.
  • Shariah oversight: Amal Invest discloses Third-Party Certified; Zoya discloses Named Scholar.
  • HalalWallet Index: Amal Invest holds a B-; Zoya holds a B-.
  • On measurable rows, Amal Invest has the better listed value on 1 and Zoya on 1.
  • They differ on 9 of the 14 data points we list for investing.

No editorial verdict has been written for this pair yet. The side-by-side below is the full data view; where we have written one, you'll find it under Compare.

Amal Invest vs Zoya: the full side-by-side

14 data points from each provider's published materials, lined up row by row. They differ on 9.

AI

Amal Invest

B-
Zoya - halal finance provider logo

Zoya

B-

14 of 14 rows

Availability

  • States covered

    Same
    Amal Invest: All 50 states
    Zoya: All 50 states
Costs

  • Management fee

    Amal Invest: Not listed
    Zoya: $14.99/month or $119.99/year
Shariah

  • Structure

    Amal Invest: Fund reconstruction with AAOIFI screening (via Zoya)
    Zoya: Stock Screener

  • Shariah oversight

    Amal Invest: Third-Party Certified
    Zoya: Named Scholar

  • Shariah board / scholar

    Amal Invest: third_party_certified
    Zoya: named_scholar

  • Published fatwa / certificate

    Amal Invest: Yes Edge
    Zoya: No

  • Screening standard

    Amal Invest: Not listed
    Zoya: AAOIFI standards
Products

  • Products listed

    Amal Invest: Halal Fund Builder (Grow & Save Portfolios)
    Zoya: Zoya Stock Screener, Zoya Brokerage Integration

  • Best for

    Amal Invest: Set-and-forget halal versions of mainstream index funds
    Zoya: DIY halal stock pickers

  • Product types

    Amal Invest: Fund Reconstruction Platform
    Zoya: Stock Screener, Brokerage

  • Account types

    Amal Invest: Taxable brokerage (via Alpaca or Trading212); IRAs not currently supported
    Zoya: Individual, IRA, Roth IRA

  • Focus

    Amal Invest: Not listed
    Zoya: Halal Stock Screening (Zoya Stock Screener) · Portfolio Compliance Monitoring (Zoya Brokerage Integration)
Track record

  • HalalWallet Index grade

    Same
    Amal Invest: B-
    Zoya: B-

  • Founded

    Amal Invest: 2021
    Zoya: 2020 Edge

Edge marks the side with the better listed number on measurable rows (lower fee, wider coverage, higher grade). It is not a verdict - a provider can win more rows and still be the wrong fit for you.

Strengths and trade-offs

Amal Invest

  • Solves the screener-plus-brokerage juggling problem in one automated flow, a genuine gap between Zoya/Musaffa (screeners) and Wahed (managed portfolios)
  • Lifetime flat fee is structurally cheaper than robo-advisor AUM fees for larger portfolios
  • Named third-party certification (Amanah Advisors) with published explanation of the AAOIFI methodology
  • Continuous compliance automation: automatic sell-and-reinvest on non-compliance is rare even among halal robo-advisors
  • Ethical filters beyond Shariah screening, including a BDS filter, with user overrides
  • No retirement accounts: Alpaca integration does not support IRAs or 401(k)s, a significant gap versus Wahed and Amana
  • Amal is not an investment advisor; investors get automation, not advice
  • Operating company is Bahrain-based, so US investors rely on the Alpaca custody layer for regulatory protection
  • Historical return figures on the marketing site (28.3% and 14.6% per year) are illustrative backtests, not audited fund performance
  • Small team (about 3 people per Y Combinator), so key-person risk is real

Zoya

  • Screens thousands of stocks for Sharia compliance
  • Methodology overseen by AAOIFI-certified scholar Sheikh Joe Bradford and Sheikh Umer Khan
  • Purification tracking supported alongside screening
  • Available nationwide in all 50 states
  • Links your existing brokerage so holdings are monitored for compliance automatically
  • Full access costs $14.99/month or $119.99/year via app stores - pricier than Musaffa's $72/year
  • A research tool, not a brokerage - trades happen elsewhere (though pass-through ordering covers seven brokers)
  • Free tier is status-only: no ratio detail, and fund screening stops at top-10 holdings
  • App-store and web pricing diverge without explanation on the site
  • Requires a paid plan for real use - $14.99/month or $119.99/year via app stores

Products behind the numbers

Where a row shows more than one value, it is because the provider lists several investing products. Each is tagged.

Amal Invest (1)

  • Halal Fund Builder (Grow & Save Portfolios)

Zoya (2)

AI

Amal Invest

Visit Amal Invest Full review
Zoya - halal finance provider logo

Zoya

Visit Zoya Full review

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Editorial comparisons

Wahed Invest vs Zoya

Investing · with verdict

Zoya vs Musaffa

Investing · with verdict

Akinda vs Zoya

Investing · with verdict

Amana Funds vs Zoya

Investing · with verdict

How do Amal Invest and Zoya compare for investing?

Amal Invest and Zoya both offer investing. This page lines up 14 listed data points side by side, with 9 differences, so you can see exactly where they part ways before you request quotes.

  • Both are available in all 50 states.
  • Amal Invest uses Fund reconstruction with AAOIFI screening (via Zoya); Zoya uses Stock Screener.
  • Shariah oversight: Amal Invest discloses Third-Party Certified; Zoya discloses Named Scholar.

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: 2026-08-05

How to cite this page

Preferred format (HTML):

According to HalalWallet (“Amal Invest vs Zoya”, https://www.halalwallet.us/compare/amal-invest-vs-zoya, retrieved 2026-11-12).

For time-sensitive claims (rates, fees, state availability), please verify directly with the provider's official documentation and note the retrieval date.

How to use this comparison: Scholars rule; we organize the evidence. HalalWallet is an independent educational comparison platform - by design, we do not issue fatwas or provide financial, legal, or tax advice. We do the research homework so your final checks are quick and personal. Where our role ends and who takes over.

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.

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