Bloom vs RinggitWise

Bloom is a private, offline-first money tracker. No account required. No server. Everything stays on your iPhone. KNOW WHERE YOU STAND One honest number: your account balances minus what you've spent on credit cards this cycle. Add your bank account, cash wallet, Touch 'n Go, EPF, ASB, or Tabung Haji and get a real picture of your financial position. TRACK EVERY RINGGIT - Log transactions manually in seconds - Scan receipts with your camera, OCR reads the merchant and amount for you - Connect Apple Pay via a Shortcuts automation for automatic logging - Import your bank statement as a CSV, Bloom maps the columns and skips duplicates PLAN AHEAD - Monthly budgets per category with a live progress bar - Savings goals with optional auto-contribution schedules - Loans, installments, and recurring bills tracked in one place - 30/60/90-day cashflow forecast warns you before your balance dips SEE THE BIG PICTURE - Net worth: assets minus liabilities with a monthly trend chart - Spending insights: burn rate vs your 3-month average, category spikes, card utilisation alerts - Recurring payment audit, find subscriptions you forgot about - Daily heat strip, weekday vs weekend split, projected month-end spend BUILT FOR MALAYSIA - Ringgit (RM) formatting throughout - EPF, ASB, and Tabung Haji as built-in account types - LHDN tax relief codes mapped to categories - Tax Pack export: receipts and a category-sorted CSV ready for e-filing - Bahasa Malaysia interface option PRIVATE BY DESIGN - All data lives on your iPhone and syncs to your own private iCloud, never ours - Scanned receipts stored with file-level encryption - Face ID / Touch ID lock with a configurable grace period - Content hidden from the iOS app switcher HOME SCREEN WIDGETS Four glanceable widgets: spent this month, budget left, next bill due, and savings progress. Available on the Home Screen, Lock Screen, and in the Dynamic Island. Bloom is free forever for manual tracking. Bloom Pro unlocks the receipt scanner, Apple Pay auto-log, CSV import, unlimited accounts and cards, Home Screen widgets, the full Insights suite, iCloud sync across your devices, and the LHDN Tax Pack export. Monthly, yearly with a 7-day free trial, or a one-time lifetime purchase. Your data stays on your device either way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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