owdraan ohkayy tool

Plan your way out of debt. Privately. On your device.

A multi-faith, multi-currency debt-payoff toolkit from Ohkayy.

Why Owdra

Nothing leaves your browser. No account, no server, no tracking.

Conventional debts, Islamic finance (Murabaha, Musharakah, Ijarah), and Zakat — one toolkit, one portfolio.

Works offline once loaded. Export to CSV, PDF, or JSON whenever you want.

Tools

Track what you owe. Every debt, every rate, encrypted on your device.

Compare snowball, avalanche, and custom payoff strategies side by side.

See exactly when each debt clears under your chosen strategy.

Calculate zakat on your wealth using your chosen scholarly position.

Model Murabaha, Musharakah, and Ijarah scenarios. Save Murabaha or Musharakah to your portfolio.

No account required. No passphrase needed until you save your first debt.