IZ Finance

Malaysia's anti-pokai money app

Know where every ringgit goes, without typing it in.

Apple Pay, TnG, receipts and Telegram get logged for you. Izzy sorts every spend into Needs, Wants and Invest, and warns you early, before you go pokai.

Start free Check my score — 30s

Free during beta · No ads · Your data stays yours

One account on Android, iPhone (Home Screen), any computer and Telegram.

Steady la. I logged 3 spends for you today.

Izzy the money cat

How it works

Three steps, and two of them happen on their own.

  1. 1Spend like you always doTap Apple Pay, pay with TnG, or snap a receipt. Nothing new to learn.
  2. 2It's logged and sortedEach spend lands in Needs, Wants or Invest. Fix any entry with one tap.
  3. 3See what's leftOne number for the month, a score for how you're doing, and a nudge before you overspend.

Capture · Clarity · Coach

Log it, understand it, get better at it.

One loop that runs mostly by itself. You only step in when Izzy asks.

Capture

Spends arrive on their own from the apps you already use. Type gaji 4200 and your take-home is worked out with EPF, SOCSO and EIS.

  • Apple Pay
  • TnG eWallet
  • Screenshots
  • Receipts
  • Telegram
  • Email receipts
gaji 4200
Salary logged. Take-home RM 3,708.95EPF, SOCSO and EIS deducted · KWSP tracked
lunch 12
Logged to Needs. 62% used, steady la.

Clarity

Your real net worth: KWSP, ASNB, savings and investments, minus what you owe.

Net worth · sample

RM 38,700

+RM 3,400 this month

Coach

A heads-up in Telegram when a budget hits 80%, a reminder two days before a bill, a Monday digest, and a monthly report that names what to fix. Izzy encourages and never lectures.

Made here

Built for how Malaysians get paid and spend.

  • EPF, SOCSO and EIS

    Take-home worked out from your gross pay, and KWSP grows in your net worth.

  • TnG, DuitNow and bank receipts

    Reads Malaysian receipts and transfer screenshots, not just US card feeds.

  • Ringgit first

    RM everywhere, with 12 currencies for spending abroad at daily rates.

  • Talks like a kawan

    Short, friendly nudges with a little Manglish. Never guilt.

Free · no signup

Check your Anti-Pokai Score in 30 seconds.

Three rough numbers from last month. Izzy grades how much you kept and whether you stayed inside a 40/20/40 budget.

RM

What landed in your account after EPF/tax.

RM

Rent, food, transport, bills, loans.

RM

Makan-makan, shopping, Grab, subscriptions.

Izzy waving hello

Fill in three numbers and Izzy will grade your month — from Danger to Legend.

Trust

Your money data stays yours.

  • Every table is locked to your account with row-level security.
  • No bank login needed. We never sell your data or share it for advertising.
  • Export everything or delete your account any time, in Settings.

Questions people ask

Do I have to use Telegram?

No. The web app works on its own. Telegram just makes logging and nudges faster.

How does it log spends automatically?

A one-time iPhone Shortcut sends each Apple Pay payment, and a Back Tap screenshot sends TnG or bank receipts. Bank SMS and email receipts work too. The setup guide takes about five minutes.

Is my data safe?

Yes. Row-level security on every table means nobody else can read your data. You can export or delete it any time.

Can I use it outside Malaysia?

Yes. See every amount in one of 12 currencies at daily rates. KWSP and ASNB are Malaysia-first, but budgeting works anywhere.

How much does it cost? Will it stay free?

Free during the beta, with everything unlocked. After launch, auto-capture, bill splitting and budgeting stay free forever. A Pro plan (about RM12.90 a month) will add unlimited AI reports and receipt scans. Beta testers who stay with us get Pro free for life: join on Android at iz-finance.app/beta.

Stop going pokai. Start free.

Set up in two minutes. Izzy takes it from there.

Create your account

Get the free Malaysian budget starter kit

The 40/20/40 gaji split, the take-home calculator, and a monthly anti-pokai checklist. Plus first dibs when billing launches. No spam.