RinggitWise

RinggitWise is the personal finance app built from the ground up for Malaysians — not a generic budgeting app with a currency swap.

BUDGET TRACKING WITH MALAYSIAN CATEGORIES
24 expense categories designed for Malaysian life — tol, petrol (RON95/97), TNG reload, Grab/e-hailing, makan luar, barangan dapur, and raya/perayaan. Group spending by Necessity, Commitment, and Lifestyle.

AI FINANCIAL COACH
Get personalised financial guidance in English or Bahasa Malaysia. Ask about EPF/KWSP, ASB, PTPTN, takaful, LHDN tax relief — the AI coach understands Malaysian context. Scoped to personal finance only.

SAVINGS GOALS
Set financial goals for anything — emergency fund, Raya, holiday, new phone. Track progress with visual milestones and auto-calculate how much to save per month.

RECEIPT SCANNER
Snap a photo of any receipt and auto-extract the amount. Skip the manual entry and quick-add to your transactions.

SHARED BUDGETS
Partner mode — manage finances together with your spouse or partner. Shared categories, goals, and individual + combined spending views.

TAX SUMMARY
Auto-generate your annual tax summary for LHDN e-Filing season. Expenses categorised by relief types, ready to download or share with your tax agent.

COMMUNITY Q&A
Ask and answer personal finance questions with fellow Malaysians. Learn from real experiences, upvote helpful answers.

5 BEAUTIFUL THEMES
Personalise your app with 5 curated theme presets.

BILINGUAL SUPPORT
Full English and Bahasa Malaysia support throughout the entire app. Switch languages anytime.

FREE TO START
All core features are free. Premium unlocks unlimited AI coaching, receipt scanning, shared budgets, and more.

SMART CATEGORIES THAT LEARN
Start typing a merchant and RinggitWise suggests the category — 250+ Malaysian
merchant names recognised, from Petronas and 99 Speedmart to kopitiam, pasar, and
e-wallet reloads. Correct it once and it remembers that shop for next time. Need a
category we don't have? Create your own, with your own name and icon, in English and
Bahasa Malaysia.

SPENDING INSIGHTS
See what actually changed each month, per category, in plain language — "you spent
32% less on makan luar than last month." Calculated on your phone from your own
transactions.

FRUGAL STREAKS
Every day you keep spending under your daily budget allowance builds a streak, with
badges at 7, 14, 30, 60, and 90 days.

Privacy: https://ringgitwise.com/privacy
Terms: https://ringgitwise.com/terms