Musaffa vs Zoya vs Islamicly: Which Halal Screener Is Best?

"Which halal stock screener should I use?" is one of the most common questions in Muslim investing communities. Musaffa, Zoya and Islamicly are three of the most popular consumer screening apps. This comparison sticks to what each one states publicly. We build Halal Terminal, which is not one of these three apps, and we say at the end where it fits alongside them.

Facts checked on 2 October 2026 against musaffa.com, zoya.finance and islamicly.com. Coverage and pricing change; the vendor's page wins over this table.

Quick Comparison

Musaffa: Broadest Coverage

Best for: investors who hold stocks across many markets and want the largest database.

Musaffa states coverage of 120,000+ stocks and ETFs across 70+ exchanges, and its AAOIFI-based screening is supported by qualified Shariah scholars and an in-house research team. Musaffa Academy provides extensive educational content for beginners. Musaffa also sells a screening API to fintechs and brokers.

Zoya: Polished App, Strong ETF Tools

Best for: investors who want a clean app, ETF and mutual-fund look-through, and an active community.

Zoya screens 60,000+ stocks with the AAOIFI methodology, under the guidance of its Shariah advisors. Its ETF and mutual-fund screener shows the compliance status of the underlying holdings, and its community forum is active. Developers can use a self-serve API with a free sandbox.

Islamicly: Screening Plus Investing

Best for: investors who want to screen and invest from one app, with a named Shariah board.

Islamicly combines AAOIFI screening, updated daily, with investing through 32+ partner brokers, digital gold and silver, and ready-made portfolios. Its Shariah board is named publicly. Prices vary by country.

Where Halal Terminal Fits

All three give you a verdict backed by Shariah scholars. Halal Terminal does not: it is not a Shariah board and issues no fatwa. What it adds is the why. It runs five standards side by side (AAOIFI, DJIM, FTSE, MSCI and S&P) and shows each ratio with the figures and the denominator behind it. That helps on borderline stocks, where the standards and the apps disagree.

A practical setup: take your verdict from the app you trust, and use Halal Terminal to understand the borderline cases. You can start free, without a card.

# See the five standards and the ratios behind a verdict
import requests

resp = requests.post(
    "https://api.halalterminal.com/api/screen/AAPL",
    headers={"X-API-Key": "YOUR_KEY"}
)
data = resp.json()

# All 5 methodology verdicts in one call
print(f"AAOIFI:  {'PASS' if data['aaoifi_compliant'] else 'FAIL'}")
print(f"DJIM:    {'PASS' if data['djim_compliant'] else 'FAIL'}")
print(f"FTSE:    {'PASS' if data['ftse_compliant'] else 'FAIL'}")
print(f"MSCI:    {'PASS' if data['msci_compliant'] else 'FAIL'}")
print(f"S&P:     {'PASS' if data['sp_compliant'] else 'FAIL'}")

# The actual ratios
print(f"Debt/Assets:      {data['debt_to_assets_ratio']:.1%}")
print(f"Debt/Market Cap:  {data['debt_to_market_cap_ratio']:.1%}")
print(f"Purification:     {data['purification_rate']:.1%}")

Key Takeaways

• Musaffa: broadest coverage (120,000+ stocks), AAOIFI-based with Shariah scholars
• Zoya: AAOIFI with Shariah advisors, strong ETF look-through, active community, self-serve API
• Islamicly: AAOIFI screening plus investing through partner brokers, named Shariah board
• Halal Terminal is not a verdict provider: use it alongside these apps to compare standards and see the ratios