Money plan — save, clear debt & split bills in one app

Savings goals

Set a target, a date and an icon — an emergency fund, a pilgrimage, a house deposit. Every deposit moves the progress bar. Link the goal to a real savings account: deposits become transfers into that account, not spending, so the account balance and the goal always agree. A monthly saving amount can be added to your budget as a commitment.

Loans, BNPL & a debt-free plan

• A running balance for every loan from the repayments you record.
• An instalment schedule using the rate from your offer letter; without a rate the schedule is worked out interest-free and clearly labelled.
• Buy now pay later: equal instalments, exact to the sen.
• A debt-free plan by snowball (smallest balance first), avalanche (highest rate first) or your own order, with extra money each month — the debt-free date and the interest saved are estimates.

Bill splitting & money owed between friends

• Split straight from a receipt: by item, equally, by percentage or by fixed amounts.
• Tax and service charge are shared proportionally; each person's total is exact to the sen.
• Track who owes whom and mark it paid when settled.
• Copy a friendly reminder to send yourself — no public link is created and your friends do not need to sign up.

Subscriptions in the same money calendar

Every subscription shows its monthly and yearly cost, renewal date, trials about to end and price rises. Subscriptions, loan instalments and goal savings become the same monthly commitments used by the money calendar, “Will it last until payday?” and reminders before due dates — counted exactly once.

Net worth & financial health

Net worth is assets minus liabilities from your accounts, savings and loans — without counting the same money twice — with a monthly trend. Financial health shows facts, not a grade: your commitments-to-income ratio, savings rate and how many months your emergency fund covers, each with its source.

In Plan, choose your own split for needs, wants and savings; the app suggests category limits. “50/30/20” is a popular method, not financial advice.

Malaysian goal templates & IOU reminders

• Raya, CNY, Deepavali, Christmas, school, road tax, insurance, umrah, emergency fund, SSPN & PRS templates — targets suggested from your own records, not fixed numbers.
• SSPN & PRS are linked to this year's remaining tax relief cap.
• IOU reminders a few days before and on the due date — no names in the email.
• Split bills by income, and share your own payment QR.