# RinggitWise — Budget Tracker > Budget Tracker (iPhone/iPad app by Hazrienne Ahmad Feisal.) - Source: https://appshunter.io/ios/app/ringgitwise/id6760920954 (this page in markdown: same URL + `.md`) - Developer: [Hazrienne Ahmad Feisal](https://appshunter.io/developer/1191276209) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 52 MB - Languages: American English - Released: 2026-04-25 - Data updated: 2026-08-14 - User reviews in markdown: https://appshunter.io/ios/app/ringgitwise/id6760920954/reviews.md ## What is 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 ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly Premium | $1.99 | per month | | Yearly | $19.99 | per year | ## Version history (last 5 releases) ### 1.2.1 — 2026-08-13 SMARTER CATEGORIES Type "Petronas" or "99 Speedmart" and RinggitWise suggests the category for you — 250+ Malaysian merchant names recognised, from tol and petrol stations to kopitiam, pasar, and e-wallets. Tap to accept, or ignore it. It also learns. Correct a category once and RinggitWise remembers that merchant next time, including for categories you created yourself. SPENDING INSIGHTS Your dashboard now shows what actually changed: "You spent 32% less on makan luar than last month." Month-on-month comparisons per category, worked out on your phone. FRUGAL STREAKS Every day you keep spending under your daily budget builds a streak. Badges at 7, 14, 30, 60, and 90 days. Set a budget to start counting. WEEKLY AI INSIGHTS (PREMIUM) Every Sunday, get 2-3 short insights written from your own week of spending — in English or Bahasa Malaysia. ALSO NEW SINCE 1.1.0 Create your own expense categories with a custom name and icon, in both languages, alongside the 24 built-in ones. Thank you for using RinggitWise. Terima kasih! ### 1.2.0 — 2026-06-10 Create your own categories! You can now add custom spending categories beyond the built-in ones — give them a name, pick an icon, and they show up everywhere you track and budget. Tap "Add Custom Category" when logging an expense or from Manage Categories in your profile. Thanks for using RinggitWise. We read every review! ### 1.1.0 — 2026-05-18 • Multi-bank wallet Track balances across all your accounts — Maybank, CIMB, TNG, cash, EPF, gold, FD, and more. Link every transaction to the right account and see your true total balance. • Predictive overspend alerts Get a push notification before you blow your budget. RinggitWise watches your spending pace and warns you when you're tracking to overshoot. • Festive season alerts Plan ahead for Raya, CNY, Deepavali, and Aidiladha — get reminders 8, 4, and 1 weeks before so you can save up gradually. • Auto-log salary Set your payday once. RinggitWise logs your monthly income automatically. • Recurring transactions on autopilot Subscriptions, rent, bills — they now post themselves each month. • Export to CSV/PDF Download your transactions for tax filing, audits, or just personal record-keeping. • Smarter AI coaching (continued from v1.0.5) Your AI coach now sees spending trends, payoff timelines, and goal pace automatically. ### 1.0.5 — 2026-04-25 WHAT'S NEW • Sharper AI insights Your AI coach now sees month-over-month spending trends per category, debt payoff dates at your current rate, and exactly where each savings goal stands — ahead, on track, or behind. • Spending pattern detection Catch post-payday splurges automatically. The AI flags when you're spending too much, too early in the month. • Budget risk early warning See which budgets are tracking ahead of schedule before month-end — like "Food 95% used with 18 days remaining." • Top spending changes Instant view of your biggest increases and decreases vs last month, so you know where the money actually went. • Recurring cost awareness See how much of your income is locked into fixed monthly commitments — subscriptions, insurance, loan payments. ### 1.0.4 — 2026-04-20 - BNPL payment sources - Grouped payment source picker - Favourite/pin payment sources - Quick-add FAB on dashboard - Currency converter ## Apps similar to RinggitWise | App | Rating | Price | Category | | --- | --- | --- | --- | | [CukaiMate – MY's Tax Assistant](https://appshunter.io/ios/app/cukaimate-mys-tax-assistant/id6759731887) | — | Free | Finance | | [Kongsi](https://appshunter.io/ios/app/kongsi/id6756945178) | — | Free | Finance | | [TrackDue - Budget & Bills](https://appshunter.io/ios/app/trackdue-budget-and-bills/id6761322417) | — | Free | Finance | | [ReceiptKu](https://appshunter.io/ios/app/receiptku/id6760326107) | — | Free | Finance | | [Mokie - AI Expense Tracker](https://appshunter.io/ios/app/mokie-ai-expense-tracker/id6757674157) | — | Free | Finance | | [Evibe — Portfolio Tracker](https://appshunter.io/ios/app/evibe-portfolio-tracker/id1666870677) | 5.0 (2) | Free | Finance | --- *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 2026-08-14.*