UK

United Kingdom · Finance · Senior (5-8 years)

Senior Islamic Wealth Manager

Here is the whole job, in plain words. What it is, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

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  • Experience bandSenior (5-8 years)
  • Direct reportsNo direct reports
  • Reports toPrincipal / Head of Islamic Wealth
  • UK framework levelUsually a manager, or the deepest specialist in a team

Also advertised as Senior Shari'ah-Compliant Financial Advisor · Head of Islamic Client Advisory (HNW) · Wealth Strategist, Islamic Finance · Private Banker, Islamic Solutions

Built on 43,079 real UK job descriptions we analysed · grounded in qualifications employers recognise

Two short quizzes about you

1From this job to a course

The qualifications matched to this job

No confident skill match yet for Senior Islamic Wealth Manager. The closest we hold is below.

iCQ Level 3 Certificate in Providing Financial Services iCan Qualifications Limited · Level 3 · covers 1 of 1 standard

Matched from the standards this job is measured against: a suggestion, not an official ruling.

The units you would start with

Facilitating an administrative service for mortgage and/or financial planning clients iCQ Level 3 Certificate in Providing Financial Services

The future skills this job leans on

AI Fluency working with AI as a thinking partner
Data Fluency turning numbers into a decision
AI Governance Fluency using AI responsibly
Automation Fluency building AI into how work runs
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2AI and this work

Will AI change your work as a Senior Islamic Wealth Manager?

Nobody can say exactly how. Here is what this job is being asked for next, and where to start.

The new skills this role is being asked for

  • Digital Client Engagement & Hybrid Advisory
  • Ethical AI Judgement & Validation
Why each one is rising

The future skills this job leans on

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

What happens when you start

Next, a free account. We build your Senior Islamic Wealth Manager plan as you set up, starting with a Future Fluency module on using AI in your job. No card.

Your first Future Fluency module is free. After that, your AI tutor is £70 a month.

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3What this role really is

You advise high-net-worth and ultra-high-net-worth clients on financial planning that fits with Islamic principles.

4What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

LSEG Workspace (formerly Refinitiv Eikon) / Bloomberg Terminal Advanced

Building complex, multi-factor screening models for Halal equities; using portfolio analytics tools to stress-test client portfolios against market shocks; finding obscure Sukuk data for due diligence.

Salesforce Financial Services Cloud Advanced

Customising dashboards to track client segmentation by net worth and life stage; setting up automation rules to trigger client reviews and Zakat reminders; managing complex client communication workflows.

Morningstar Direct / IdealRatings Advanced

Conducting deep due diligence on Shari'ah-compliant fund methodologies; analysing portfolio holdings for 'purification' requirements; building and validating custom model portfolios on the platform.

Advanced Microsoft Excel (Power Query, VBA) Advanced

Creating complex Fara'id (inheritance) calculation models; using Power Query to automate data cleansing from multiple sources for client reports; potentially writing simple VBA for custom reports or data manipulation.

eMoney Advisor / MoneyGuidePro (with custom overlays) Advanced

Creating sophisticated 'what-if' scenarios for major client life events (e.g., Hajj, business startup); customising reports to reflect Islamic principles and client-specific goals; running advanced Monte Carlo simulations.

5What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing in Where you are nowThe step above
Client Investment Strategy Prepares initial draft portfolio proposals based on client risk profile and firm models, subject to full review and approval by a Senior Islamic Wealth Manager. Develops and recommends investment strategies for mass affluent clients within established firm guidelines, with final approval from a Senior Islamic Wealth Manager or Head of Islamic Wealth for significant deviations. Designs and implements bespoke, complex investment strategies for HNW/UHNW clients, making final decisions on asset allocation and product selection within Shari'ah parameters. Consults with Investment Committee for very large or novel allocations.
Shari'ah Compliance Interpretation Identifies potential compliance issues and flags them for review. Follows established purification calculation methodologies. Applies established Shari'ah screening methodologies and performs purification calculations independently. Escalates ambiguous cases to a Senior Islamic Wealth Manager. Interprets complex Shari'ah rulings and applies them to unique client situations. Leads discussions with the Shari'ah Supervisory Board on novel compliance challenges and 'Fatwa risk.' Accountable for ensuring client portfolios remain compliant.
Client Fee Structures Calculates fees based on standard firm schedules. Cannot negotiate. Applies standard fee schedules. Can propose minor adjustments (e.g., small discount for AUM thresholds) with manager approval. Negotiates bespoke fee structures for UHNW clients within a defined range, requiring Head of Islamic Wealth approval for significant deviations. Justifies value proposition for premium services.
Mentorship & Training Receives training and mentorship. Contributes to team knowledge by asking questions. Provides informal guidance to new joiners. Shares best practices within the team. Formally mentors 1-2 junior Islamic Wealth Managers, guiding their professional development, conducting code reviews (if applicable for tools), and providing technical support. Leads internal training sessions.

6How you'll be judged

The scoreboard, and what is not on it. The hard targets, how often each is actually looked at, and the quiet signals that never reach a dashboard.

Net New Assets (NNA) from HNW/UHNW Clients
The total value of new money brought in or retained from your assigned client book, specifically from high-net-worth and ultra-high-net-worth individuals.
Target · Achieve £10M-£15M in NNA annually, with at least 50% from UHNW clients.

In Q2, you helped a client consolidate £7M from another institution and brought in a new UHNW family with £5M, totalling £12M NNA for the quarter.

Client Retention Rate (HNW/UHNW)
The percentage of your existing high-value clients who remain with the firm over a specific period.
Target · Maintain a 98% client retention rate for your assigned book.

Out of 50 HNW/UHNW clients, only one decided to move their assets elsewhere this year, resulting in a 98% retention rate.

Shari'ah Compliance Audit Score
Your adherence to internal and external Shari'ah compliance policies, as assessed by our Shari'ah Supervisory Board or internal audit.
Target · Achieve an average score of 95% or higher on annual Shari'ah compliance audits of client portfolios and documentation.

The annual audit found only minor documentation issues in two client files, with no breaches of Shari'ah principles, resulting in a 97% compliance score.

Complex Planning Engagements
The number of comprehensive, multi-faceted financial plans you lead, including intricate Islamic estate planning (Fara'id) or significant Waqf establishments.
Target · Lead at least 5-7 complex planning engagements per year.

This year, you successfully completed three multi-jurisdictional Fara'id plans and advised on the establishment of two significant Waqf endowments.

Client Trust & Advocacy
The extent to which clients view you as a trusted advisor and are willing to refer new business.
  • Clients proactively seek your advice on non-financial matters (e.g., family governance). You receive unsolicited testimonials or direct referrals to new HNW prospects. You're consistently included in high-level family discussions.
Mentorship & Team Development
Your active contribution to the growth and development of junior Islamic Wealth Managers.
  • Junior colleagues regularly seek your guidance on complex client situations or Shari'ah queries. You're formally recognised for helping a junior manager achieve a promotion. You lead internal training sessions on specific Islamic finance topics.
Problem Solving & Innovation
Your ability to creatively solve unique client challenges within Shari'ah parameters and contribute to new product ideas.
  • You propose and successfully implement a novel Shari'ah-compliant solution for a client's unusual asset structure. Your ideas are adopted by the Product Development team for new offerings. You proactively identify and address potential 'Fatwa risk' in existing products.
Internal Collaboration & Influence
Your effectiveness in working with internal teams (e.g., Investment Committee, Legal) to achieve client outcomes and shape firm strategy.
  • You successfully advocate for client needs in Investment Committee meetings. Your insights are sought by the Shari'ah Supervisory Board on practical implementation issues. You're seen as a key voice in discussions about the future direction of our Islamic wealth offering.

7Would you like it

Both sides. What people enjoy, and what grinds them down.

What people enjoy
Making a tangible, ethical impact

You'll feel a deep satisfaction knowing you're helping clients grow their wealth in a way that aligns with their deepest values. Seeing a Waqf endowment you helped establish begin to fund a community project, or guiding a family through a complex Fara'id plan, is incredibly rewarding.

You helped a client set up a Waqf that now funds scholarships for underprivileged students, knowing your work directly contributed to a lasting charitable legacy.

Solving complex, multi-faceted puzzles

The challenge of structuring a multi-jurisdictional estate plan that respects both local law and Shari'ah principles, or finding innovative compliant investment solutions in a limited market, truly energises you. It's never boring; there's always a new puzzle to solve.

You spent weeks researching and collaborating with legal teams to devise a Shari'ah-compliant trust structure for a client with assets across three different countries.

Being a trusted expert and educator

You thrive on being the 'go-to' person for both clients and junior colleagues on complex Islamic finance questions. You enjoy breaking down complicated concepts into understandable advice, empowering others with knowledge.

A junior manager comes to you with a tricky purification calculation, and you patiently walk them through it, ensuring they understand the 'why' behind each step.

What frustrates people
  • The limited toolkit: Explaining why certain high-performing conventional assets are off-limits due to Shari'ah screens.
  • Performance justification: Having tough conversations during bull markets when the Shari'ah-compliant portfolio lags the broader, conventional indices.
  • Conflicting scholarly opinions: Navigating different interpretations of Islamic law from various scholars or Shari'ah boards.
  • The education treadmill: Constantly re-explaining basic Islamic finance principles to intelligent, successful clients who are new to the space.
  • Data voids: Performing due diligence on private equity funds or complex Sukuk where transparency can be challenging.
What this role does not give you
  • A purely quantitative, 'set-it-and-forget-it' investment management approach.
  • The ability to invest in every single market opportunity, regardless of Shari'ah compliance.
  • A role where you don't have to engage deeply with client's personal values and religious beliefs.
  • A fast track to becoming a pure portfolio manager without client-facing responsibilities.

8Who you work with

This role directly impacts our firm's reputation and growth within the Islamic wealth sector. By retaining and growing our most valuable client relationships, you'll contribute significantly to Assets Under Management (AUM) and overall revenue. You'll also play a critical part in upholding our Shari'ah compliance standards, which is, frankly, the bedrock of our offering. Your expertise helps shape our product strategy and ensures we remain a trusted leader in this specialised market.

Inside the business
  • Head of Islamic Wealth
  • Investment Committee
  • Shari'ah Supervisory Board
  • Legal & Compliance teams
  • Product Development (for new Islamic finance offerings)
  • Junior Islamic Wealth Managers (for mentorship)
Outside the business
  • High-Net-Worth (HNW) and Ultra-High-Net-Worth (UHNW) clients
  • External Shari'ah scholars and consultants
  • Estate lawyers and tax advisors (for joint client work)
  • Charitable organisations (for Waqf and Zakat distribution)
  • Industry bodies (e.g., AAOIFI, IFSB)

9What you need before you start

Not a wish list. The things you would be expected to already have.

  • A minimum of 5 years of direct experience in wealth management or financial advisory, with at least 3 years specifically focused on Islamic finance.
  • Demonstrable experience managing a portfolio of high-net-worth clients (typically £1M+ AUM per client).
  • A strong understanding of core Islamic finance principles and their practical application in investment, banking, and wealth planning.
  • Proven ability to conduct detailed financial analysis and construct diversified investment portfolios.
  • Excellent written and verbal communication skills, with a track record of building strong client relationships.
  • Proficiency in at least one major wealth management CRM (e.g., Salesforce Financial Services Cloud) and advanced Excel skills.

10What to practise next

Where the job is going, and what to do about it starting this week.

Advanced Data Analytics for Shari'ah Compliance

The volume and complexity of financial data are exploding. Being able to quickly analyse vast datasets to identify 'creeping non-compliance' or new Halal investment opportunities will give you a significant edge. Traditional spreadsheet methods just won't cut it.

Python for Financial Data (pandas, NumPy) · SQL for Data Extraction · Data Visualisation (Tableau, Power BI) · Statistical Modelling for Risk

  • This month: Complete an online introductory course on Python for data analysis (e.g., Codecademy, DataCamp).
  • Next quarter: Start building small scripts to automate parts of your purification calculations or data screening.
  • Month 3-6: Work with our data team to understand how to access and query internal databases using SQL.
  • Month 6-12: Create a custom dashboard in Tableau or Power BI to track key Shari'ah compliance metrics for your client book.

Quick win: Download a free version of Tableau Public and try visualising some public financial data related to Shari'ah-compliant indices.

Understanding Blockchain & Tokenised Islamic Assets

Blockchain technology is starting to disrupt traditional finance, and it has significant potential for Islamic finance, particularly in areas like Sukuk issuance, Zakat distribution, and transparent asset ownership. You don't need to be a developer, but understanding the implications is key.

Distributed Ledger Technology (DLT) · Tokenised Sukuk · Smart Contracts for Shari'ah Compliance · Islamic Fintech Innovations

  • This month: Read introductory articles on blockchain and its application in finance (e.g., from Deloitte, PwC).
  • Next quarter: Attend a webinar or online seminar on Islamic fintech or blockchain for finance.
  • Month 3-6: Research specific examples of tokenised Sukuk or Shari'ah-compliant stablecoins.
  • Month 6-12: Engage in internal discussions about how our firm might explore or adopt DLT for Islamic wealth products.

Quick win: Follow key thought leaders in Islamic fintech and blockchain on LinkedIn. Read industry reports on the future of digital assets in Islamic finance.

11Staying current once you are in

What people here do to keep up
  • Regularly attending industry conferences and seminars on Islamic finance and wealth management (e.g., IFN events, GIFF).
  • Participating in continuous professional development (CPD) programmes to maintain and enhance your regulatory licences and professional certifications.
  • Engaging with our internal Shari'ah Supervisory Board for deeper insights into contemporary fiqh issues.
  • Subscribing to leading Islamic finance journals and publications to stay current on scholarly opinions and market trends.
  • Mentoring junior colleagues and actively participating in internal knowledge-sharing sessions to solidify your own understanding and contribute to team growth.

12The rising capability

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

Digital Client Engagement & Hybrid Advisory

Clients, even HNW/UHNW ones, expect seamless digital experiences and more flexible interaction models. The pandemic accelerated this, but it's now a permanent shift. Advisors who can blend high-touch personal service with efficient digital tools will win.

  • Personalised Digital Portals
  • Video Conferencing Mastery
  • Social Media for Professional Networking
  • Automated Client Check-ins

Ethical AI Judgement & Validation

AI tools will handle more of the routine analysis and screening. Your value shifts dramatically to validating AI outputs, understanding its limitations (especially for Shari'ah nuances), and applying human, ethical judgment. Knowing when not to trust the AI will be critical.

  • AI Bias Detection
  • Explainable AI (XAI)
  • Prompt Engineering for Finance
  • Human-in-the-Loop Validation

13What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Shari'ah-Compliant Asset Allocation
  • Islamic Estate & Inheritance Planning (Fara'id & Wasiyyah)
  • Zakat & Waqf Advisory
  • Sukuk & Alternative Investment Analysis
  • Purification of Impermissible Income

14The pathway

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Internal Promotion from Islamic Wealth Manager (L2)

    2-4 years as an L2

    Skills to master

    • Consistently exceeding NNA and client satisfaction targets, demonstrating leadership potential by informally mentoring junior colleagues, taking on more complex client cases, and deepening your Shari'ah compliance expertise.

    You're ready to move on when

    • Successfully managed a book of mass affluent clients with high retention.
    • Proactively identified and resolved complex Shari'ah compliance issues.
    • Received positive feedback from colleagues for informal mentorship and knowledge sharing.
    • Demonstrated ability to independently develop and present comprehensive financial plans.
  2. 2

    Lateral Hire from another Islamic Wealth Management Firm

    Direct entry (5-8 years prior experience)

    Skills to master

    • Proven track record of managing HNW/UHNW client relationships, deep expertise in Shari'ah-compliant products and estate planning, and strong understanding of the UK regulatory landscape.

    You're ready to move on when

    • Existing book of HNW/UHNW clients (though we don't expect you to bring them immediately).
    • Demonstrable experience in complex Fara'id and Waqf advisory.
    • Strong network within the Islamic finance community.
    • Excellent communication and presentation skills, particularly in explaining complex Shari'ah concepts.
  3. 3

    Transition from Conventional Private Banking with Islamic Finance Certification

    5-7 years in private banking + 1-2 years focused Islamic finance study/experience

    Skills to master

    • Deepening knowledge of Islamic jurisprudence and its application to wealth management, understanding the nuances of Shari'ah screening and purification, and developing a client-centric approach that integrates faith values.

    You're ready to move on when

    • Extensive experience with HNW/UHNW client relationship management.
    • Completed the CISI IFQ or an equivalent advanced Islamic finance qualification.
    • Demonstrated passion and commitment to Islamic finance through personal study or projects.
    • Ability to adapt existing private banking skills to a Shari'ah-compliant framework.

15Where this role leads

The long view: This work can lead to a technical specialist role, a team leadership role, or a strategic business unit head, depending on the direction you choose.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Senior Islamic Wealth Manager is actually changing.

Where it leads

Roles this leads to

How you would learn this

One to one, on the work you already do

A tutor sets the task against your own job and marks the reasoning, at your pace. There is no cohort to fall behind.

A lesson from Facilitating an administrative service for mortgage and/or financial planning clients, worked against Senior Islamic Wealth Manager.

Facilitating an administrative service for mortgage and/or financial planning clients Level 3

Applied to your work in Senior Islamic Wealth Manager

The objective of this unit is to enable learners to facilitate an administrative service for mortgage and/or financial planning clients. Learners will be able to deal with complex requests for information, collate information for quotations and illustrations, and assist advisers in preparing for client meetings, ensuring the smooth flow of business.

How the thinking builds
  1. 1 Remember
  2. 2 Understand
  3. 3 Apply
  4. 4 Analyse
  5. 5 Evaluate
  6. 6 Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time.

Start my Senior Islamic Wealth Manager plan, free
See Your Progress Grow Illustration
Senior Islamic Wealth Manager
  • Shari'ah-Compliant Asset Allocation
  • Islamic Estate & Inheritance Planning (Fara'id & Wasiyyah)
  • Zakat & Waqf Advisory
  • Sukuk & Alternative Investment Analysis
  • Purification of Impermissible Income
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

16The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Senior Islamic Wealth Manager is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Lead Islamic Wealth Strategist (L4)

    3-5 years as a Senior Islamic Wealth Manager

    This is a specialist, individual contributor (IC) path. You'd move away from direct client management to focus on shaping our firm's overall Islamic investment strategy, product development, and Shari'ah compliance framework.

    • Advanced Portfolio Construction (Model Portfolios) Building and maintaining the firm's core Shari'ah-compliant model portfolios.
    • Shari'ah Product Vetting Conducting rigorous due diligence on all new Islamic products before they're offered to clients.
    • Investment Committee Representation Presenting and defending investment proposals to senior leadership.
    • Regulatory Foresight Anticipating changes in Shari'ah standards and financial regulations.

  2. Principal / Head of Islamic Wealth (L5)

    4-6 years as a Senior Islamic Wealth Manager

    This is a management path. You'd move into a leadership role, responsible for managing a team of Islamic Wealth Managers, driving the team's AUM growth, P&L, and overall client satisfaction.

    • Talent Acquisition & Retention Building a high-performing team of Islamic wealth professionals.
    • Operational Excellence Streamlining client onboarding and service processes.
    • Budget Management Allocating resources effectively to achieve business objectives.
    • Stakeholder Management (Executive Level) Reporting to and influencing senior executives on business performance and strategy.
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real, the world of Islamic wealth management is incredibly complex, requiring deep expertise and meticulous attention to detail. But what if you could spend less time on the tedious bits and more time on high-value client relationships and strategic thinking? Our AI Productivity Hub is designed to do just that.

We're not talking about replacing your judgment; we're talking about giving you a powerful co-pilot. Imagine AI handling the initial grunt work of compliance screening or drafting those detailed client reports, freeing you up to focus on the nuanced conversations and bespoke strategies that truly differentiate your service. Here's a glimpse of how AI can transform your day-to-day:

Automated Shari'ah Screening

Use an AI tool to ingest quarterly financial data for 10,000+ global equities, automatically flagging companies that breach AAOIFI financial ratio limits (debt, cash, impermissible income). This means less manual data pulling and spreadsheet analysis, giving you back precious hours.

Fatwa Analysis & Synthesis

Leverage a Natural Language Processing (NLP) model to analyse hundreds of scholarly rulings (fatwas) on a specific topic (e.g., cryptocurrency), summarising points of consensus, disagreement, and the reasoning used. This accelerates research on complex or new issues from days to hours, providing a solid foundation for investment committee discussions.

Halal Sector Market Intelligence

An AI agent continuously scans news, regulatory filings, and market reports, providing a daily briefing on events specifically impacting Shari'ah-compliant sectors (e.g., new tech in renewable energy, ethical issues in healthcare). This saves you roughly 30-45 minutes a day of manual news filtering, allowing for more proactive client conversations.

Compliant Client Communications

Use a generative AI assistant, trained on the firm's compliance guidelines and market commentary, to draft personalised client emails explaining portfolio performance, linking market events to the specific behaviour of their Shari'ah-compliant holdings. This reduces time spent on routine quarterly reporting emails by 50%, freeing up time for high-value strategic calls.

Common questions

Common questions

How do you become a Senior Islamic Wealth Manager?

Common routes in include Internal Promotion from Islamic Wealth Manager (2-4 years as an L2), Lateral Hire from another Islamic Wealth Management Firm (Direct entry (5-8 years prior experience)) and Transition from Conventional Private Banking with Islamic Finance Certification (5-7 years in private banking + 1-2 years focused Islamic finance study/experience). Times vary with prior experience.

Where can a Senior Islamic Wealth Manager progress to?

This role can lead on to Lead Islamic Wealth Strategist (3-5 years as a Senior Islamic Wealth Manager) and Principal / Head of Islamic Wealth (4-6 years as a Senior Islamic Wealth Manager), depending on the skills you build.

What new skills matter most for a Senior Islamic Wealth Manager?

Increasingly, Digital Client Engagement & Hybrid Advisory and Ethical AI Judgement & Validation. These are the skills our record of this role lists as growing.

Free tools

Want a read on where you stand?

Three free tools, no account needed. Each one ends with a role, a level and a way in.

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17Where to go from here

Other roles at Level 5

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

 More jobs in finance

Stay in the field you know and move sideways rather than up.
If you leave this industry

The combination of financial expertise and Shari'ah knowledge can open other doors. These include Islamic banks, sovereign wealth funds, and asset management firms specialising in Shari'ah-compliant investments. Regulatory bodies focused on Islamic finance are another option. These skills transfer across borders.

This role profile is © 2026 Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Start my Senior Islamic Wealth Manager plan, free What happens next: a free account, then we build your plan as you set up. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.