About RinggitWise

The Problem

77% of Malaysians struggle to keep up with daily expenses. Food prices surged 17.5% since 2020 — nearly 2x the overall inflation rate. Household debt sits at RM 1.65 trillion, 84.3% of GDP.

Yet no existing app combines budgeting, tax guidance, investment advice, and transport planning with full Malaysian context. Generic finance apps don't understand tol, TNG reload, duit raya, KWSP, PTPTN, or takaful.

Our Mission

RinggitWise exists to be the personal CFO in every Malaysian's pocket. We track spending with categories that make sense for Malaysian life, coach savings habits with gamification, and provide AI-powered financial guidance in English and Bahasa Malaysia.

Built for Malaysia

This isn't a Western finance app with a currency swap. Every feature is designed from scratch for Malaysian context:

24 expense categories including petrol (RON95/97), tol, Grab/e-hailing, and raya/perayaan
Malaysian payment sources — TNG, GrabPay, Boost, ShopeePay, Maybank, CIMB, RHB
Tax summary aligned with LHDN e-Filing categories and relief types
AI coach that understands EPF/KWSP, ASB, PTPTN, PRS, and takaful
Bilingual — full English and Bahasa Malaysia support

Solo Developer Project

RinggitWise is built and maintained by a solo developer passionate about personal finance and the Malaysian community. Every feature is carefully considered, every line of code is written with care.

Privacy First

Your financial data is yours. We encrypt everything, never sell your data, and comply with Malaysia's Personal Data Protection Act (PDPA) 2010. You can request a full data export or deletion at any time.

Start Managing Your Ringgit Wisely

Join Malaysians who are taking control of their finances. Free to start, no credit card required.