Save Wise vs NYS

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.

NYS — Know Your Self One simple equation runs your whole month: Income − Fixed − Variable = what you can save. Most trackers only tell you what you already spent. NYS tells you what you can still spend — today. TODAY'S NUMBER • "You can still spend RM47" — recalculated every day from what is actually left this month • Spending pace: on track, a little fast, or red line, with today's marker on the bar • Home-screen widget and a one-tap shortcut to log an expense in three seconds YOUR MONTH, AT A GLANCE • Fixed costs set once, added automatically every month, with due-date reminders • Monthly caps per category and an instant warning the moment you cross one • Charts by category plus a six-month income-vs-expense trend • Twelve-month savings view, savings goal with an estimated finish date • Malaysian income tiers (B1 to T2) — see where this month lands and how far the next band is • Rent vs buy calculator LIFE TOOLS, BUILT IN • What to eat — dishes that fit today's food budget, plus nearby eateries with typical prices (data from OpenStreetMap) • Health — log weight and height for a BMI band on Asian cutoffs, a daily calorie range matched to how active you actually are, and a simple wellness score; estimate calories from a photo of your meal • Cycle tracking — log period start dates and see your average cycle length • Family — due date and pregnancy week, plus each child's growth log, vaccination record and milestone notes • Travel — trip budget with a reality check, live exchange rates, an AI day-by-day itinerary that stays inside your budget, and a pre-trip checklist • AI money coach — three specific tips read from your own numbers, plus a chat helper for cooking and saving questions • Receipt scanning — the total is read on your device and the photo is kept as your record BUILT FOR MALAYSIA Categories that match real life here — F&B, Grab, Toll & TNG, Petrol, PTPTN, Angpau, Takaful — and EPF handled inside the savings equation. Ringgit first, with English, Chinese and Bahasa Melayu throughout. PRIVATE BY DEFAULT No account. No ads. No tracking. Your ledger, your receipts and your health data live on your device. AI features are opt-in and stay off until you turn them on. When you do, only anonymous totals are sent — never your notes, names or account details. Food photos are sent only with a separate consent and are discarded after analysis. Location is used only while you are looking for nearby food. AI suggestions and price estimates are for general guidance only, and are not professional financial or medical advice.