PennyWise
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PennyWise
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Daily personal finance tracker for Malaysia

PennyWise keeps a running daily budget in Ringgit (RM). Log your income, bills, spending, debts and investments, and add entries by typing or speaking.

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What you can track

Daily budget that carries forward

Set a daily spending limit. Whatever you overspend one day rolls into the next, so the balance you see is the money you actually have left.

Income with EPF, SOCSO and EIS

Log your salary and side income. For a salary, PennyWise works out EPF, SOCSO and EIS, lets you enter PCB, and saves your real take-home pay.

Recurring bills and subscriptions

Track bills and subscriptions, mark them paid each month, and see what is still due.

Debts you owe and are owed

Track money you owe and money owed to you. Mark a debt settled once it is paid.

Investments and backup fund

Record trading, unit trust (ASNB) and savings (Tabung Haji) transactions, plus an emergency fund you can pay into and draw from.

AI assistant, by voice or text

Add an expense or ask about your finances in plain language, typing or speaking. The assistant suggests each entry and saves nothing until you confirm.

Frequently asked questions

What is PennyWise?
PennyWise is a free personal daily finance tracker for Malaysia. It tracks income, recurring bills, daily expenses, debts, investments and an emergency fund. It keeps a running daily balance and carries any overspending forward to the next day. All amounts are in Malaysian Ringgit (RM).
Is PennyWise free?
Yes. PennyWise is free to use. Create an account with your email and start tracking immediately.
How does the daily budget and carry-forward work?
You set a daily spending limit. Each day PennyWise compares what you spent against that limit; any overspend is carried forward to the next day, so your effective budget always reflects your real position rather than resetting blindly.
Does PennyWise calculate EPF, SOCSO and EIS?
Yes. When you enter a salary with a gross amount, PennyWise automatically calculates EPF, SOCSO and EIS contributions and lets you enter PCB tax, then stores your net take-home pay.
Can I track investments like ASNB, gold or Tabung Haji?
Yes. PennyWise supports trading accounts (buy/sell with quantity and price), unit trusts such as ASNB (save/redeem/dividend), and savings such as Tabung Haji (deposit/withdraw/dividend).
Is my financial data private and secure?
Yes. Every record is protected by row-level security tied to your account, so only you can read your data. PennyWise also supports two-factor authentication (TOTP) for extra protection.
Can I use voice to log expenses?
Yes. The built-in AI assistant accepts voice or text. Say or type something like "RM12 for lunch" and it proposes the entry for you to confirm before saving.

See where your money goes

Free to use, and built for Malaysian finances.

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PennyWise, personal finance for Malaysia
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