TWAZ — What you can spend

TWAZ answers one question every day: what can I spend today? Instead of doing the arithmetic in your head or in a spreadsheet, TWAZ combines your salary, your fixed commitments and what you have actually spent, and gives you one clear daily number that lasts until your next salary cycle. • Today's number One honest figure for what is available to spend today, built from your salary, your commitments and your real spending — calculated in deterministic code, never by AI. • A clear salary cycle TWAZ understands your Saudi salary cycle and tracks it with you: how long until payday, and where you stand against your own plan. • Activity and review Every transaction in one place. Correct anything, and anything that needs your confirmation waits in a clear review queue instead of quietly changing your number. • Add bank transactions easily Paste your bank message yourself and TWAZ reads the amount, the merchant and the date — or set up an Apple Shortcuts automation once and let matching messages be recorded for you. TWAZ has no access to your Messages inbox and never inspects your clipboard in the background. • Foreign currency, handled honestly A foreign-currency transaction stays pending until you confirm the rate or the settled amount. TWAZ never guesses an exchange rate, never falls back to 1:1, and never adds a bank fee into the transaction amount. • Home Screen widget Today's number without opening the app. • Optional encrypted iCloud backup Off until you turn it on. TWAZ encrypts the snapshot on your device before it leaves, and uploads it to your own iCloud private database. The backup key lives in your own Keychain and syncs through your iCloud Keychain so you can restore after a reinstall — TWAZ holds no copy of it. You can delete the cloud copy whenever you want, and deleting it never touches the data on your device. • Privacy first TWAZ works with no account. Core finance data is processed on your device. Raw bank message text is never uploaded or stored — it is read, parsed, and reduced to a one-way digest used only to prevent duplicates. TWAZ is not a bank or a financial institution, does not connect to your bank account, does not provide investment or financial advice, and does not guarantee any financial outcome. It is a personal organisation tool that works from the information you enter.