Billy Expenses & Subscriptions vs RinggitWise

Billy is the no-fuss way to track every subscription, bill, and one-time expense in one place — without connecting your bank account or sharing financial data with anyone. WHY BILLY • See every recurring charge before it hits your card • Scan paper receipts with your camera and skip manual entry • Get smart insights about where your money actually goes — without nagging • Share an expense view with your partner via household sync • Set savings goals, budgets, and monthly start days that match how you actually live • Works fully offline — your data stays on your device unless you choose to sync KEY FEATURES • Subscription & one-time expense tracking • Receipt scanning with on-device OCR (no photos uploaded) • Multi-currency, 8 languages • Calendar view of upcoming bills • Savings goals & income tracking • Budget alerts and spending insights • Household sharing (up to 2 people) • Face ID / Touch ID app lock • Biometric-secured backup • iCloud-free design — your data is yours Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://billy-expenses.com/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