RinggitWise vs RichAuntie

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

RichAuntie is a private expense tracker and budget planner made for Malaysia. Log what you spend in RM in two taps, see where your money goes, and keep your data on your own phone — no sign-up, no account. DOUBLE-TAP TO LOG ANY PAYMENT • Just paid? On the payment receipt or transaction screen, double-tap the back of your iPhone. AI reads the amount, payee and date and logs it — no typing. • Works with Malaysian e-wallets (Touch 'n Go eWallet, GrabPay, Boost, ShopeePay, Setel, BigPay), DuitNow QR and DuitNow Transfer, bank apps (Maybank MAE, CIMB OCTO, Public Bank, RHB, Hong Leong and more), card payment screens and e-receipts. • One-tap setup inside the app. Prefer typing? A fast keypad, tappable categories and Siri (“Hey Siri, log expense in RichAuntie”). BUILT FOR HOW MALAYSIANS SPEND • Sub-categories out of the box: Food › Mamak, Hawker & Kopitiam, Groceries, Coffee & Drinks, Food Delivery. Transport › Petrol, Grab / e-hailing, Toll, Parking, LRT / MRT / Bus. Home › Rent, Electricity, Water, Internet. Add or rename your own. • All your money in one place: add any Malaysian bank (Maybank, CIMB, Public Bank, RHB, Hong Leong, GXBank and more) or e-wallet (Touch 'n Go, GrabPay, ShopeePay, Boost, MAE), enter the balance, and see your net worth. Credit cards too. • Amounts in Malaysian Ringgit (RM), calculated to the exact sen. REPORTS THAT EXPLAIN YOUR MONTH • Spending vs income trend: a 6- or 12-month line chart shows the months you overspent. • Category breakdown with a sub-category split, daily spending chart, biggest expense and month-on-month comparison. • Filter by note: tap “Grab”, “Shopee” or “Teh tarik” to see every matching entry and how much it really costs you. BUDGET & PLAN • Monthly budget plus per-category budgets, with a gentle warning before you overspend. • Recurring bills and subscriptions fill in automatically each month. SCAN AND IMPORT (PRO) • Snap a receipt and AI fills in the amount, date, merchant and category. • Import a bank or credit card statement (CSV, PDF or screenshot). AI turns cryptic merchant codes into readable names, suggests categories and finds what you forgot to log. • Both ask for your confirmation before anything is uploaded for processing. PRIVATE BY DESIGN • Your ledger is stored on your device. Nothing is shared with advertisers. • Optional cloud sync is end-to-end encrypted with a code only you hold. • App lock with PIN, Face ID or Touch ID. Works fully offline. Export to CSV or JSON anytime. RICHAUNTIE PRO — AUTO-RENEWABLE SUBSCRIPTION Pro removes ads and unlocks unlimited receipt scanning and bank / credit card statement import. • RichAuntie Pro (6 months) — RM19.90 every 6 months in Malaysia; the local price in other countries is shown before you confirm. Payment is charged to your Apple ID account at confirmation of purchase. The subscription renews automatically for the same period at the same price unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage your subscription and turn off auto-renewal in your Apple ID account settings after purchase. Any unused portion of a free trial, if offered, is forfeited when you buy a subscription. Terms of Use (EULA): https://colinchin95.github.io/daily-ledger/terms.html Privacy Policy: https://colinchin95.github.io/daily-ledger/privacy.html RichAuntie — the calm, private money tracker for every Malaysian auntie, uncle, student and boss.