AAOIFI Shari'a screening · Reviewed July 16, 2026
Is AAPL halal in 2026?
Apple (AAPL) passes AAOIFI Shari'a screening as of 2026 with a 98/100 compliance score. Direct verdict, exact ratios vs thresholds, purification estimate, and the scholarly basis.
Yes. Apple (AAPL) is currently halal under AAOIFI Shari'a Standard No. 21 as of July 2026, with a HalalScreener compliance score of 98 out of 100. Its core business (hardware, software, and services) is permissible, interest-bearing debt is under 2% of market cap, and non-permissible income is below 1% of revenue. A small purification of roughly 1% of dividends and gains is recommended as a precaution.
AAOIFI ratio breakdown
| Ratio | Value | Threshold | Verdict |
|---|---|---|---|
| Interest-bearing debt / Market cap | ~1.9% | <30% | Pass |
| Interest-bearing deposits and securities / Market cap | ~1.1% | <30% | Pass |
| Non-permissible income / Revenue | <1% | <5% | Pass |
Recommended purification: approximately 1% of dividends received and realized capital gains.
Apple designs and sells the iPhone, Mac, iPad, Apple Watch, and a large services business (App Store, iCloud, Apple Music, payments). None of these revenue streams are prohibited under AAOIFI Shari'a Standard No. 21: there is no alcohol, tobacco, gambling, conventional lending, or adult content in Apple's core activities.
On the quantitative screens Apple is comfortably clean. Interest-bearing debt is about 1.9% of market capitalization, far below the 30% AAOIFI ceiling, and interest-bearing deposits and securities are about 1.1% of market cap. Non-permissible income, mostly interest earned on Apple's cash and marketable securities, works out to well under 1% of total revenue, inside the 5% threshold.
Because Apple holds a large portfolio of cash and marketable securities that earn some interest, the conservative practice is to purify a small share of what you receive. Apple pays a modest dividend, so purify roughly 1% of dividends and realized capital gains. HalalScreener's purification calculator gives an exact figure for your position size.
Methodology
Verdict applies the methodology of AAOIFI Shari'a Standard No. 21: Financial Papers (Shares and Bonds): qualitative screening for prohibited business activities, plus three quantitative caps. Interest-bearing debt < 30% of market cap, interest-bearing securities < 30%, and non-permissible income < 5% of revenue.
Sources and scholars
- AAOIFI Shari'a Standard No. 21: Financial Papers (Shares and Bonds)
- Wahed Invest Shari'a Supervisory Board
- Amana Mutual Funds (Saturna) Shari'a Supervisory Board
Frequently asked
Is AAPL halal in 2026?
Yes. Apple passes both AAOIFI screens: its business lines are permissible, interest-bearing debt is about 1.9% of market cap (well under 30%), and non-permissible income is under 1% of revenue (well under 5%). HalalScreener scores it 98 out of 100. A precautionary purification of roughly 1% is recommended.
How much should I purify from Apple dividends?
Roughly 1% of the dividends and realized capital gains you receive, matching the small share of Apple's income that comes from interest on its cash and securities. Use HalalScreener's purification calculator for an exact figure.
Does Apple's App Store or financing business make it haram?
No. App Store and services revenue is permissible. Apple Card is operated by a partner bank and its interest income belongs to that bank, not to Apple's screened revenue. Apple's own non-permissible income stays under 1% of revenue, inside the AAOIFI threshold.