Statement of account
Everything you own, in one statement
Osool gathers your property, your investments, your cash and your debts onto a single page — and keeps every line of it traceable to the asset behind it.
No credit card required
| What you own | Share | Value, AED |
|---|---|---|
| Property | 65% | 3,250,000 |
| Investments | 25% | 1,270,000 |
| Cash | 10% | 480,000 |
| What you owe | −179,400 | |
| Net worth | 4,820,600AED | |
Illustrative figures. Osool keeps this statement current for you.
Indicative market prices
- Gold 24K9,840.00+7.7%
- Silver118.60+2.1%
- Bitcoin412,300-2.3%
- Ethereum14,780+1.9%
- Emaar Properties14.85+0.6%
- Aldar Properties9.12-0.4%
- DFM General Index5,308+0.8%
Real estate
Property, down to the unit
Property is usually the largest thing you own and the hardest to keep straight. Osool holds a project as its floors and its individual units, so you can see what has sold, what is reserved, and what is still on the shelf — alongside the schedule of what you still owe on it.
Marina Heights
Under construction
Payment schedule
- Instalment 1Paid650,000
- Instalment 2Paid650,000
- Instalment 3Paid650,000
- Instalment 4Due650,000
- Instalment 5Due650,000
Each instalment carries its own due date and status, and can be assigned to the partner responsible for it — so nobody has to reconstruct who paid what from a chat thread.
Investments, cash flow, obligations
The rest of the ledger
Three more pillars, each opened up into the entries it is made of. Every figure below reconciles with the statement at the top of this page.
Investments
Gold, silver, crypto and equities, each valued at the market price of the moment. Osool keeps what you paid separate from what it is worth, so a gain is always a figure rather than a feeling.
- Gold 24K+7.7%984,000
- Bitcoin-2.3%206,000
- Equities+1.4%80,000
- Total investments1,270,000
Cash flow
Income and expenses by category, month by month. The salary that arrives and the subscriptions that leave belong in the same picture as the property — they are what funds the next instalment.
- Income this month62,000
- Expenses−28,400
- Net33,600
Obligations and giving
What you owe, what is owed to you, and what you have given away. Each debt carries a counterparty and a due date; grants are recorded by recipient, so your zakat sits in the same ledger as everything else.
- Owed to me145,000
- I owe179,400
- Grants this year96,000
How it works
One entry, followed all the way through
Three steps, shown on a single holding: a hundred ounces of gold, from the moment you enter it to the moment it lands in your net worth.
- 01
Add it once
Enter the asset, the quantity, and what you paid. Nothing else is asked of you, and nothing has to be entered twice.
AssetGold 24KQuantity, oz100Price paid, per oz9,140Cost914,000 - 02
It values itself
Market-priced assets are revalued from live data. Your cost stays untouched, so the gain is the difference between two figures you can both see.
Market price, per ozLive9,840Quantity, oz100Unrealised gain70,000Value+7.7%984,000 - 03
It rolls up
The holding joins its pillar, the pillar joins the total, and the total is the number at the top of this page.
Real estate3,250,000Investments1,270,000Cash480,000Less: debts owed−179,400Net worth4,820,600
Security and privacy
Nobody else gets to see this number
Your net worth is the most private figure you have. Osool is built on the assumption that it stays that way.
Built on
Federal Decree-Law 45/2021
Protection of Personal Data
No custody, no credentials
Osool never connects to your bank
Scoped to you, at the data layer
Every record carries an owner, and every read and write is filtered by it in the service layer — not in the interface, where it could be worked around.
We never hold your money
Osool records what you own; it does not move it. There are no banking connections and no trading permissions, so there is nothing to drain if an account is ever compromised.
A complete audit trail
Every creation, edit and deletion is recorded with actor and timestamp, so any figure that changed can be traced back to who changed it and when.
Processed under the PDPL
Personal data is handled in accordance with Federal Decree-Law No. 45 of 2021, including its purpose-limitation and retention rules.
Open your statement
Create an account, add your first asset, and watch the total appear. Nothing to commit to.