Baki vs RinggitWise

Every expense has a story — discover yours with Baki. Baki is the smart, AI-powered expense tracker that helps you make sense of your money. From scanning receipts in seconds to visualizing spending habits, Baki makes managing your finances simple, fast, and stress-free. AI Receipt Scanning - Just snap a picture of your receipt. Baki extracts vendor, amount, and date so you can ditch manual entry forever. Clear Spending Insights (Coming soon) - See where your money goes with easy spending reports, visual charts, and monthly expense tracking trends. Perfect for building better financial habits. Multiple Wallets - Keep your money separated just like Excel sheets. Create dedicated wallets for personal, business, projects, or travel, and switch between them easily. It’s a flexible way to manage multiple accounts in one app. Private & Secure - Your data is encrypted and protected. Baki is a secure expense tracker designed with your privacy in mind. Why Baki? - Unlike generic money tracker apps, Baki combines AI automation with flexible organization. Whether you’re tracking receipts, managing budgets, or organizing multiple wallets, Baki gives you the clarity you need to make smarter financial decisions. Baki Pro Subscriptions: Baki offers auto-renewable subscriptions with weekly, monthly, and annual plans. Payment will be charged to your Apple ID account. Subscriptions auto-renew unless canceled. Manage your subscription in Account Settings. Terms of Use: https://www.baki.money/terms Privacy Policy: https://www.baki.money/privacy

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