Be duitful
with your duit.
Track every ringgit, kill debt with the avalanche method, and keep every cent on your phone. Encrypted on-device. No account, no cloud, no subscription.
Every tool you need
to get honest with your money.
Built around the realities of Malaysian finance — buy-now-pay-later, multi-currency travel, and the high-APR debts most apps quietly ignore.
Debt avalanche
Prioritises your highest-APR debts first so you pay less interest overall. Watch your exact debt-free date shift with every payment.
Payoff timelineBNPL & installments
Track Atome, SPayLater, Grab PayLater and card installments in one place. No more surprises from that phone you bought six months ago.
SEA-nativeReceipt OCR + auto-FX
Snap a receipt, get an expense — amount, merchant, category. Foreign currency converts to MYR automatically at the day's rate.
3 scans/mo freeAuto-capture (Android)
Reads bank and e-wallet notifications on-device, queues them for your review, and nothing ever touches a server. You stay in control.
Zero data leaves phoneOn-device encryption
Your data is AES-GCM encrypted with a key derived from your passcode via PBKDF2. No account, no cloud sync, no "forgot password" email.
AES-GCM · PBKDF2One-time Pro
Pay RM 19.90 once. Unlock everything, forever. The free tier is permanent — no trial, no drip, no "your Pro expires tomorrow" emails.
Lifetime · no subsYour money data
never leaves your phone.
Most trackers ship your transactions to a server, run "anonymous" analytics on them, and then sell you a subscription for the privilege. Duitful doesn't. Every amount, every merchant, every debt — encrypted on your device with a passcode only you know. There is no server to breach, because there is no server.
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EncryptionAES-GCM at rest, PBKDF2 key derivation
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AccountsNone. No email. No sign-up.
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AnalyticsNone on your data. None ever.
With avalanche · +RM 500/mo extra
Pay the expensive debt first. The math is ruthless — and right.
Snowball feels good because you clear small balances fast. But interest is interest: a credit card at 18% is burning more money every month than a personal loan at 7%.
Avalanche aims every extra ringgit at the highest-APR debt. You'll pay less interest overall, and you'll be free sooner. Duitful sorts it automatically, shows you the gap, and re-plans instantly when life changes.
Pay once. Keep the app.
The free tier is permanent. Pro is a one-time purchase — because a tracker for your money shouldn't cost more than the money it helps you save.
- Up to 3 debts
- Up to 2 savings goals
- 3 receipt scans per month
- Manual expense & income tracking
- Full on-device encryption
- Unlimited debts, goals & accounts
- Unlimited receipt scans + auto-FX
- Android auto-capture from notifications
- Avalanche planner & what-if scenarios
- CSV export & import (Monarch, YNAB)
- All future Pro features included
The short answers.
Why one-time pricing and not a subscription?
A tracker shouldn't cost more than the problem it solves. Pro is a one-time RM 19.90 — you keep the app forever, get every future Pro feature, and never see a renewal email. Server costs are near-zero because your data stays on your phone, so subscriptions would just be charging you to subsidise someone else's growth metrics.
Does my data really never leave the phone?
Correct. All your transactions, debts, and goals live in an AES-GCM-encrypted database on your device, locked with a PBKDF2-derived key from your passcode. There is no sign-up, no sync server, no analytics SDK on your financial data. Receipt OCR happens via a privacy-focused API only when you explicitly scan — no receipts are stored remotely.
Which banks are supported for auto-capture?
On Android, Duitful parses notifications from major Malaysian banks and e-wallets — Maybank, CIMB, Public Bank, RHB, Hong Leong, HSBC, TNG eWallet, GrabPay, Boost, Shopee Pay and more. You review each transaction before it's saved. iOS doesn't allow notification reading, so on iPhone you'll use receipt scans and manual entry (which we've made very fast).
Can I use Duitful outside Malaysia?
Yes. The app supports MYR, SGD, USD, EUR, GBP, JPY, THB, IDR and more, with automatic FX conversion for travel expenses. Singapore users in particular get full BNPL coverage (Atome, SPayLater, ShopBack PayLater). Auto-capture notification parsing is currently tuned for Malaysian banks, with Singapore banks next on the roadmap.
What happens if I lose my passcode?
Your data cannot be recovered. This is the honest trade-off for real end-to-end privacy — because Duitful never has a copy of your passcode or your data, we can't reset it for you. We strongly recommend writing your passcode down somewhere safe, or using Pro's encrypted-backup export so you can restore to a new device.
Can I import from Monarch, YNAB or a CSV?
Yes. Duitful Pro imports CSV files in the standard formats exported by Monarch, YNAB, Money Lover, and most Malaysian bank statements. You can map columns manually if your export is non-standard. Export works the same way — your data is yours to take anywhere, any time.
Ready to be duitful?
Start with the web app today. The iOS and Android apps are coming soon.