# NYS — Income − Expenses = Savings

> Income − Expenses = Savings (iPhone/iPad app by Shang Cheng Group SDN BHD.)

- Source: https://appshunter.io/ios/app/nys/id6790375032 (this page in markdown: same URL + `.md`)
- Developer: [Shang Cheng Group SDN BHD](https://appshunter.io/developer/6790375034)
- Category: Finance
- Price: Free
- Age rating: 12+
- Requires: iOS 16.0 · 78 MB
- Languages: American English
- Released: 2026-08-04
- Data updated: 2026-09-17
- User reviews in markdown: https://appshunter.io/ios/app/nys/id6790375032/reviews.md

## What is NYS?

NYS — Know Your Self

One simple equation runs your whole month:
Income − Fixed − Variable = what you can save.

Most trackers only tell you what you already spent. NYS tells you what you can still spend — today.

TODAY'S NUMBER
• "You can still spend RM47" — recalculated every day from what is actually left this month
• Spending pace: on track, a little fast, or red line, with today's marker on the bar
• Home-screen widget and a one-tap shortcut to log an expense in three seconds

YOUR MONTH, AT A GLANCE
• Fixed costs set once, added automatically every month, with due-date reminders
• Monthly caps per category and an instant warning the moment you cross one
• Charts by category plus a six-month income-vs-expense trend
• Twelve-month savings view, savings goal with an estimated finish date
• Malaysian income tiers (B1 to T2) — see where this month lands and how far the next band is
• Rent vs buy calculator

LIFE TOOLS, BUILT IN
• What to eat — dishes that fit today's food budget, plus nearby eateries with typical prices (data from OpenStreetMap)
• Health — log weight and height for a BMI band on Asian cutoffs, a daily calorie range matched to how active you actually are, and a simple wellness score; estimate calories from a photo of your meal
• Cycle tracking — log period start dates and see your average cycle length
• Family — due date and pregnancy week, plus each child's growth log, vaccination record and milestone notes
• Travel — trip budget with a reality check, live exchange rates, an AI day-by-day itinerary that stays inside your budget, and a pre-trip checklist
• AI money coach — three specific tips read from your own numbers, plus a chat helper for cooking and saving questions
• Receipt scanning — the total is read on your device and the photo is kept as your record

BUILT FOR MALAYSIA
Categories that match real life here — F&B, Grab, Toll & TNG, Petrol, PTPTN, Angpau, Takaful — and EPF handled inside the savings equation. Ringgit first, with English, Chinese and Bahasa Melayu throughout.

PRIVATE BY DEFAULT
No account. No ads. No tracking. Your ledger, your receipts and your health data live on your device.
AI features are opt-in and stay off until you turn them on. When you do, only anonymous totals are sent — never your notes, names or account details. Food photos are sent only with a separate consent and are discarded after analysis. Location is used only while you are looking for nearby food.

AI suggestions and price estimates are for general guidance only, and are not professional financial or medical advice.


## Version history (last 3 releases)

### 1.2.0 — 2026-09-08

A bigger release, and a reorganised app.

NEW
• Malaysian income tiers (B1 to T2) on the home screen — see where this month lands and how far the next band is
• Health score — log weight and height for a BMI band on Asian cutoffs, plus a daily calorie range matched to how active you actually are. Works fully offline, no AI needed.
• Cycle tracking — log period start dates and see your average cycle length
• Family — due date and pregnancy week, each child's growth log, vaccination record and milestone notes

TIDIER
• A fifth tab, Life, gathers food, health, cycle, family and travel in one place, so the home screen is just your money again
• Settings now shows an AI diagnostics card, so a connection problem is visible instead of silent

FIXED
• Travel page no longer freezes when opening date pickers
• AI replies are much faster and no longer fail during busy periods
• The first message after granting AI consent is no longer lost

### 1.1.1 — 2026-08-18

Fixed an issue where long content inside pop-up sheets — such as the AI travel itinerary — could not be scrolled.

### 1.1.0 — 2026-08-04

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-17.*