RinggitWise

Real-time financial awareness — meet your wallet.

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.

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