Accounts & balances — every ringgit in the right account

How it works

1. Open Accounts & balances in the app and add your first account: type, name, opening balance and its date — records before that date are not counted.
2. When saving a receipt, an expense without a receipt, money in or a payslip, choose the account — the app suggests one from the payment method on the receipt.
3. Record transfers between your own accounts: paying a credit card, withdrawing cash, moving money into savings or repaying a loan. A transfer is neither income nor spending.
4. Enter the closing balance from a bank or card statement: the app shows the difference and records not yet linked to an account, or creates an adjustment so the balances match.

Every kind of account

• Cash and e-wallets for everyday spending.
• Bank and savings accounts — the account balance on any date, with a chart for the chosen period.
• Credit cards — the amount owed, credit limit, available balance and statement day.
• Loans and buy now pay later as liabilities.
• Investments and other accounts.
• Foreign-currency accounts stay in their own currency; total assets & net worth use the latest BNM selling rate.

Transfers are not spending — nothing counted twice

A credit card purchase counts as spending once, on that receipt. When you pay the card bill from your bank account, that is a transfer that reduces what you owe on the card — not a second expense. The same goes for cash withdrawals, money moved into savings or loan repayments: both balances move, but your budget, analysis and tax stay the same.

A refund from a shop reduces spending in the original receipt's category and is not counted as income. The account summary shows the assets, liabilities and net balance of all your accounts.

Import a statement straight into an account

• Choose the bank, card or e-wallet account for each statement.
• Transfers to your own accounts are recorded as transfers, not spending.
• Lines already in that account are not imported twice.
• The statement's closing balance is compared with the app balance for reconciliation.

Private by default, with no bank password

Your accounts are seen only by you. Mark an account “shared” so the group admin and auditor can view its balance and history — read-only. You never hand over an online banking password, OTP or TAC: balances are worked out from the records you keep and the statement files you download from your bank yourself.

Foreign-currency accounts in RM

• Accounts in another currency stay in their currency; total assets & net worth use the latest BNM selling rate, with the rate date shown.
• No rate → that account is not mixed into the RM totals and the app says so.
• Balances come from every linked record — receipts, receipt-less spending, money in, salary and transfers.