Build Wealth Without Riba
Everything you need to understand halal investing. What makes a stock permissible, how screening works, and how to start your journey.
Important: I am not a certified financial advisor or Islamic finance scholar. Everything here is personal research. Consult a qualified scholar and financial advisor before investing.
وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا
"And Allah has permitted trade and forbidden riba."
Al Baqarah 2:275وَمَن يَتَّقِ اللَّهَ يَجْعَل لَّهُ مَخْرَجًا وَيَرْزُقْهُ مِنْ حَيْثُ لَا يَحْتَسِبُ
"Whoever fears Allah, He will make for him a way out, and provide from where he does not expect."
At Talaq 65:2 3إِنَّ اللَّهَ هُوَ الرَّزَّاقُ ذُو الْقُوَّةِ الْمَتِينُ
"Indeed, it is Allah who is the Provider, the firm possessor of strength."
Adh Dhariyat 51:58Your money is a trust from Allah
Halal investing means putting your money to work in ways that align with Islamic principles. The core rule is simple: avoid riba (interest), avoid haram industries, and ensure the companies you invest in maintain clean financial practices.
The Prophet ﷺ was a merchant. Abu Bakr, Uthman, and Abdur Rahman ibn Awf were all businessmen. Seeking halal wealth is not just allowed, it is an act of worship when done with the right intention. The key is knowing what to avoid and how to screen your investments.
What makes a stock Shariah compliant
Debt Threshold
A company's total debt must be less than 33% of its market capitalization. This limits exposure to interest bearing loans.
Interest Income
No more than 5% of a company's revenue can come from interest. A small amount is tolerated but must be purified from dividends.
Receivables Ratio
Less than 49% of total assets can be receivables. This prevents investing in companies that essentially trade in debt.
Business Activity
The company cannot operate in alcohol, gambling, pork, tobacco, weapons, adult entertainment, or conventional banking/insurance.
Your first 3 steps
Open a brokerage account
Use any major platform (Fidelity, Charles Schwab, Robinhood, M1 Finance). It takes 10 minutes. You need $0 to start.
Screen your stocks
Use our halal stock screener to check if a stock meets AAOIFI Shariah screening criteria before buying.
Set up auto invest
Even $10, $25, or $50 a month on auto invest. Let compound growth and barakah do the work over years.
See what $10 a month can become
The Prophet ﷺ said: "The most beloved deeds to Allah are the most consistent, even if small."
Based on 9% annual return, compounded monthly. Past performance does not guarantee future results. This is not financial advice, consult a qualified advisor. Returns are approximate based on historical HLAL/SPUS data.
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Search 6,500+ US stocks and 19 halal ETFs. See Shariah compliance scores, debt ratios, interest income, and live prices. All free.
Explore Halal Stocks"No one has ever eaten any food that is better than eating what his hands have earned."Prophet Muhammad ﷺ · Sahih al Bukhari