Four modules, one path.
35lessons
- Money Basics10 lessons
- Financial Stability9 lessons
- Investing & Wealth8 lessons
- Business Finance8 lessons
The drive to lead.
Financial confidence for everyone in the UAE, one small step at a time. Powered by EWA Group.
Live at the American University of Sharjah
Built with
EWA Group
EWA GroupWhy Nayra
For anyone in the UAE who wants to stop guessing with money.
Financial literacy, sustainable finance and entrepreneurship, starting with university students. Launched with DMCC and the UAE Ministry of Economy & Tourism under the UAE National Financial Literacy Strategy 2026 to 2030. Powered by EWA Group.
Inside the app
Get to know Nayra.
A streak that forgives.
7 days
Ask anything. Nobody's judging.
I get AED 1,500 a month. Where do I even start?
Nayra AI
Start with one habit: the day your money arrives, move 10% aside. That's AED 150 before you spend anything. Small, automatic, and it adds up.
Plan todayReview spending
Post without your name.
AnonymousIs it normal to feel awkward talking about money with family?
Goals you can watch fill up.
68%New laptop
Learn in your language.
Small steps, big results.
Try it
What does your daily coffee really cost?
Pick a small habit and set the price. The numbers get big faster than you'd think.
Days a week
Every yearAED 4,680AED 390 a month
Invested insteadAED 26,522after 5 years at 5% a year
Every year: AED 4,680. Invested instead: AED 26,522.
Example with an assumed return of 5% a year, added monthly. Not financial advice.
Where it goesCoffee · AED 18 · 5 days
In one yearAED 4,680
Invested for 5 yearsAED 26,522
Financial Confidence Index
Watch your confidence grow.
A short check-in of about three minutes when you start and again when you finish, so you can see exactly how far you have come.
Built on a 27-item scale developed through expert review, content validity testing and cognitive interviews with students.
Not financial advice — a confidence check-in.
Sample result
50of 100
Developing
Growing steadily, on the right track.
1 = Not me at all5 = That's me
Self-EfficacyI can make a monthly budget and stick to it.
ResilienceIf a surprise bill came in, I'd know what to do.
Digital Financial AgencyI feel safe paying and banking on my phone.
Examples only, not the real check-in. Nothing is saved.
For universities and governments
See what changes. Not just who logged in.
Every participant takes the index at the start and at the end. You see the change in all three dimensions, for whole groups only and never for groups smaller than five.
- Start and end, per dimension
- Anonymous group results only
- Reports ready for your committee
Prefer email?hello@mynayra.app
Example report Start End
Self-Efficacy+15
Resilience+10
Digital Financial Agency+15
Illustrative values, not pilot results.
Questions
What people ask us.
What is Nayra?
Nayra is a free financial literacy app for everyone in the UAE. Short lessons, a daily streak, an AI money mentor and a peer community help you build real confidence with money. DMCC and the UAE Ministry of Economy & Tourism launched it with EWA Group in June 2026.
Does Nayra cost anything?
No. Nayra is free to download on the App Store and Google Play.
Who can join right now?
The first pilot runs at the American University of Sharjah, and any valid AUS student ID gets you in. Studying somewhere else? Sign up in the app anyway and pick your university. We will email you when Nayra opens there.
What will I learn?
Four modules with 35 lessons: Money Basics, Financial Stability, Investing & Wealth and Business Finance. Each lesson is a set of short cards with quizzes, fill-the-blanks and real-world scenarios, so you practise instead of just reading.
What is the Financial Confidence Index?
A check-in of about three minutes that you take when you start and again when you finish. Its 27 items cover self-efficacy, resilience and digital financial agency, so you can see how your confidence changed. It is not financial advice.
Who sees my answers?
Partners such as your university only see results for whole groups, and never for groups smaller than five people. You can delete your account and all its data at any time, in the app or by request.
Start your journey today.
Free to download. Built for you.
