Plan Smarter vs Save Wise

Master Your Money with Plan Smarter. Taking control of your financial future shouldn't be complicated. Plan Smarter (by Software Panchayat) is a clean, modern, and high-performance toolkit designed to help you calculate, project, and visualize your investments and loans with zero effort. Designed with a professional "Elite" interface, our app ensures that complex financial planning feels simple, fast, and secure. Why use Plan Smarter? Smart Loan Planning: Calculate EMIs and total interest for home, car, or personal loans instantly. SIP & Wealth Growth: Project your Mutual Fund returns with our precision SIP and Lumpsum tools. Step Up Your Goals: Planning a salary hike? Calculate how a yearly Step Up SIP can exponentially grow your wealth. Retirement Ready (SWP): Plan a steady monthly income for your golden years with our Systematic Withdrawal Plan tool. Universal Support: Automatically detects your local currency for a seamless global experience. Privacy First: We don't collect your data. All calculations happen locally on your device. No cloud, no tracking, just smart planning. Start planning smarter today with SPC.

SaveWise — Premium Expenses Tracker Built for Malaysians Stop guessing where your money goes. SaveWise gives you real-time financial clarity with the depth most budget apps skip — EPF dividends, loan auto-deduct, credit card cycles, and full insight analysis, all in one beautifully designed app. SMART SCAN — SCAN RECEIPTS IN ONE TAP Set up iPhone Back Tap, scan any receipt with a double tap on the back of your phone. On-device OCR extracts the amount, merchant, and date automatically. Confirm in the Dynamic Island and you're done — no typing, no friction. FULL ACCOUNT COVERAGE • Assets: bank, e-wallet, cash, investments • Loans: personal, hire purchase, housing (with construction stages) • Credit cards with statement cycles • Provident Fund: MY EPF, SG CPF, India EPF, or custom — with sub-accounts, auto-contribution, and dividend calculation LOAN AUTO-DEDUCT Set your monthly repayment once. SaveWise deducts it automatically every month in the background — no missed payments, no manual entry. SMART CATEGORY PREDICTION Learns from your past transactions and gets better the more you use it. Fuzzy match plus keyword fallback across 7 categories means most scans are categorized correctly on the first try. REAL-TIME INSIGHTS • Net worth at a glance • Monthly income vs expense breakdown • Spending by category, with trend analysis • Saving goals with progress tracking BUILT FOR PRIVACY — OFFLINE-FIRST All your financial data lives on your device. No accounts, no cloud sync of personal data, no ads. Your money is your business. PREMIUM DESIGN, NATIVE FEEL Crafted specifically for iOS with Apple's Liquid Glass design language — translucent materials, fluid animations, and native controls throughout. It feels like it belongs on your iPhone because it was designed that way. HOME SCREEN WIDGETS Glance at your balance, today's spending, or net worth without opening the app. DAILY REMINDERS Optional spending reminders, loan payment alerts, and contribution reminders to keep you on track. CUSTOMIZABLE Choose your accent color, set a custom background, adjust blur intensity — make it yours. MADE IN MALAYSIA Designed with Malaysian users in mind — EPF, hire purchase loans, local categories — but flexible enough to work anywhere in the world with any currency. No subscription. No ads. No data harvesting. Just a thoughtful expenses tracker that respects your time and your privacy. Download SaveWise and finally know exactly where you stand.