For Malaysia–Singapore householdsSGD + MYR
The personal finance app for Malaysia–Singapore households — track SGD and MYR together, in one net worth, without pretending one of them doesn’t exist.
Categories are remembered from notes you have categorised before, and recurring payments are found in the gaps between your own entries. It suggests; you decide.
Built around SGD and MYR — all eleven are supported, on every plan.
A working copy of the app, with five of its screens. The balances and the exchange rate below are live, and every figure on the screen follows them.
A working example of the Spend X Save dashboard, with tabs for the overview, entries, accounts, investments and goals. It shows a total balance as two separate currency lines, this month’s spending, the last complete month’s saving, six months of spending against income, and the share of the balance held in each account.
Try it — press any tab, or change a balance below and watch every figure follow.
Total balance
Spend · 6M
Budget · Sept 2026
S$321.62 of S$600.00
S$18.56/day for 15 days
Saved · Aug 2026
Moving the rate shows how much of the figure is a currency decision. The app reads the day’s rate itself rather than asking you for it.
A demo, not your accounts. The sample balances are yours to move and are never saved or sent anywhere.
Spend X Save is a personal finance app for Malaysia–Singapore households. It tracks SGD, MYR and nine other currencies in one net worth, keeps savings and investments together, and treats a remittance between your own accounts as a transfer rather than spending. Free covers three accounts; multi-currency is on every plan.
Why Spend X Save
Whether you earn in Singapore, support family in Malaysia, or hold assets in both countries, the whole picture sits in one place.
Balances stay in the currency they are held in, and one switch converts totals into SGD, MYR or USD at the day’s rate — with the rate date shown.
Link the outgoing and incoming halves of a remittance and both leave spending and income. You moved money; you did not spend it.
Log a market value on any investment or retirement account and see what you put in, what it gained and the annualised return — measured against the deposits the ledger recorded.
A loan comes off the total instead of sitting beside it as an asset, and CPF or EPF log values over time, each contribution tagged yours or your employer’s.
No aggregator and no bank credentials. Enter entries by hand or import a statement, and export the whole ledger as CSV or JSON on either plan — deleting the account is self-service too.
A category you gave a note before is suggested as you type, keyword rules cover the rest, and recurring payments are spotted in the gaps between your own entries.
The app suggests a category from the note you wrote, using keyword rules. A category you have chosen for the same note before always beats them. Type one below, or pick an example.
This demo runs the app’s own keyword rules on whatever you type, and keeps nothing. It has no history to draw on, so it cannot show the suggestion the app would prefer: the category you gave this note last time.
Privacy & security
Only your account can see it, and a few mechanisms make sure of that. Here they are — plus the one thing we are not claiming.
Not end-to-end encryption. Your data is held on your behalf in a managed database, and support or a refund is handled with an operator key that can technically read it. Saying so is part of the rest being true. Read the Privacy Policy
Platform essentials
A practical workspace for daily spending, cross-border transfers and long-term wealth.
Simple, transparent pricing
Multi-currency tracking, transfer linking and statement import are on every plan. What Pro adds is the account cap lifted, the full history and savings goals.
RM0· S$0
Forever. No card required.
RM19/ month
S$6.90 / month · RM179 / year · S$69 / year
14-day refund policy · Cancel any time
Before you sign up
That is the whole point. Hold accounts in any of 11 currencies (MYR, SGD, USD, CNY, HKD, TWD, THB, IDR, VND, PHP, JPY) and totals stay separate instead of being added together. Want one number? Convert the dashboard into SGD, MYR or USD at the day’s rate, with the rate date shown.
Only until you link the two sides. Link the outgoing and incoming entries and both drop out of your spending and income totals, balances intact — and the rate you actually got stays on the pair.
No. Type entries in by hand, or import a statement by pasting text or uploading a CSV or PDF. Nothing connects to your bank unless you hand it a file, and import works on every plan, Free included.
Free: three accounts, the last six months, and every multi-currency feature, transfer linking and statement import. Pro is RM19 or S$6.90 a month, or RM179 or S$69 a year, and adds unlimited accounts, your full history, savings goals and the choice of whether a loan counts in your net worth.
Yes. Investment and retirement accounts hold dated market values, so you can see what you put in, what it gained and the annualised return against the deposits the ledger recorded. A loan account holds what you still owe and comes off your net worth — with a Pro option to leave a particular loan out of the total. A mortgage, CPF and EPF can all sit in the same net worth as your savings.
No. No ads, no third-party trackers, nothing sold — export everything as CSV or JSON whenever you like, or delete your account yourself. We count a few product events and page views in our own database: no cookies, no stored IP, never an amount, note or account name.
Yes. Export the whole ledger as CSV or JSON whenever you like — on every plan, Free included — and delete your account yourself in Settings, without emailing us.
Made for your everyday life
Different households, different needs — one organised place to understand them.
Keep Singapore income and Malaysian commitments visible, without adding different currencies into one made-up figure.
Retirement balances, savings and liabilities sit in one net worth, each still recorded in its own currency.
Import a statement, let categories fill themselves in, and see where the month went without re-typing a ledger.
Free covers three accounts and the last six months of history, and still includes every multi-currency feature, transfer linking and statement import. Pro is RM19 or S$6.90 a month, or RM179 or S$69 a year, and adds unlimited accounts, your full history, savings goals and the choice of whether a loan counts in your net worth.
No credit card to start · All 11 currencies included · Export anytime