Head-to-head comparison of halal financial providers on HalalWallet — features, fees, Shariah oversight, state availability, and independent editorial verdict. Published by HalalWallet (halalwallet.us).
Zoya vs Musaffa
Two Leading Halal Stock Screeners Compared — Features, Accuracy, and Pricing
Co-Founder, HalalWallet
Reviewed quarterly when provider data or pricing changes.
Our Verdict
Both are reputable halal stock screeners with similar core functionality. Zoya tends to have a more polished mobile experience and is popular in the U.S. market; it also surfaces multiple Shariah methodologies so a stock can pass one standard and fail another within the same app. Musaffa offers broader global stock coverage and a built-in Zakat calculator. When the two apps disagree on a borderline name, HalalWallet Is-It-Halal shows the dated AAOIFI ratios and how Dow Jones/S&P and MSCI/FTSE reach different conclusions — free, with filing-level transparency.
Side-by-Side Comparison
| Feature | Zoya | Musaffa |
|---|---|---|
| Type | Halal stock screener + research platform | Halal stock screener + Zakat calculator |
| Stock Coverage | U.S. and select international markets | Global coverage (35,000+ stocks) |
| Free Tier | Limited free screening | Limited free screening |
| Screening Methodology | Multiple standards surfaced (incl. AAOIFI) | AAOIFI-aligned screening |
| Unique Feature | Shariah compliance score with detailed breakdowns | Built-in Zakat on stocks calculator |
| Mobile App | iOS and Android | iOS and Android |
Which Should You Choose?
You primarily invest in U.S. stocks
→ Either— Both cover U.S. markets thoroughly
You invest globally and need wide coverage
→ Musaffa— 35,000+ stocks across global markets
You want integrated Zakat calculation on investments
→ Musaffa— Built-in Zakat calculator for stock portfolios
You want the most detailed compliance breakdowns
→ Zoya— Granular compliance scores with financial ratio details
Two apps disagree and you want to see why
→ HalalWallet Is-It-Halal— Free AAOIFI verdicts with cross-standard lens and dated filing ratios — use alongside either app
Understand the evidence behind this comparison
Prefer a ranked pick for your situation? See our evidence-backed guides:
Zoya Full Review
Pros, cons, rates & details
Musaffa Full Review
Pros, cons, rates & details
Not sure which is right? Compare all Investing providers.
Browse All Investing OptionsThis is just one of 7 categories. Average score: 63/100.
See yoursFrequently Asked Questions
Do Zoya and Musaffa always agree on stock compliance?
No. They may use slightly different thresholds, data vintages, or methodology defaults. Zoya also shows multiple Shariah standards — a stock can pass AAOIFI and fail MSCI within the same app. Borderline names (debt between 30% and 33% of market cap, or high debt relative to total assets) are where disagreements cluster. HalalWallet publishes a live list of stocks where the major standards split, with the exact ratios on each verdict page.
Can I use these with any brokerage?
Yes. Both are research/screening tools — you screen stocks, then execute trades through your existing brokerage (Fidelity, Schwab, etc.). HalalWallet Is-It-Halal is also a research resource, not a brokerage.
Which is more accurate — Zoya or Musaffa?
Both are reputable and AAOIFI-aligned at their core. Accuracy on borderline names depends on which standard you follow, how fresh the underlying figures are, and whether debt is measured against market cap or total assets. For a second opinion with filing-level transparency, check HalalWallet's free Is-It-Halal verdict — it anchors to AAOIFI (the strictest mainstream standard) and shows how other standards would screen the same company.
Halal verdicts for popular stocks
Full AAOIFI-based Shariah screens for individual stocks — business activity, financial ratios, and where scholars and screeners differ.
Both are reputable halal stock screeners with similar core functionality. Zoya tends to have a more polished mobile experience and is popular in the U.S. market; it also surfaces multiple Shariah methodologies so a stock can pass one standard and fail another within the same app. Musaffa offers broader global stock coverage and a built-in Zakat calculator. When the two apps disagree on a borderline name, HalalWallet Is-It-Halal shows the dated AAOIFI ratios and how Dow Jones/S&P and MSCI/FTSE reach different conclusions — free, with filing-level transparency.
- You primarily invest in U.S. stocks: Either — Both cover U.S. markets thoroughly
- You invest globally and need wide coverage: Musaffa — 35,000+ stocks across global markets
- You want integrated Zakat calculation on investments: Musaffa — Built-in Zakat calculator for stock portfolios
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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.