Unit trust, Amanah Saham, and more — all in one place
🔒 Backups are encrypted by default when exporting — you can choose plaintext instead at export time if you prefer, but keep any plaintext backup file somewhere secure.
💎 My Wealth Dashboard
Combined net worth across every module — Unit Trust, Amanah Saham, KWSP, Fixed Deposit, Real Estate, and Foreign Currency — converted to your base currency.
Solely-owned holdings are attributed to that member; holdings shared by more than one member appear under "Joint" — so rows never double-count and always tally exactly with "Breakdown by Module" above (both follow the owner filter at the top of this page). Filter to one member and a shaded "Joint" sub-row appears under their name showing their share of what they co-own.
Employees Provident Fund accounts — balance grows from employee/employer contributions plus the annual dividend declared each year.
Total Balance
$0.00
0 accounts
Total Contributions
$0.00
Total Dividends
$0.00
0%
Total Withdrawals
$0.00
Accounts
📭
No KWSP accounts yet
Add an account to start tracking contributions and dividends
📒 Ledger
Date
Account
Type
Amount
Notes
Actions
🏦 Fixed Deposit
Fixed deposits across any currency and bank. Mark "Auto-Renew" for deposits that should roll over at maturity — when you process a maturity, renewed deposits create a new term automatically and every maturity (renewed or not) is logged below for reference.
Total Principal (Active)
$0.00
0 active
Interest Earned (Current Year)
$0.00
Maturing Soon (30 days)
0
Matured — Not Processed
0
Deposits
📭
No fixed deposits yet
Add a fixed deposit to start tracking maturity dates and renewals
📜 Maturity Records
A permanent log of every deposit that has matured — whether it was renewed into a new term or withdrawn — kept for future reference even after the original deposit is gone.
Maturity Date
Bank
Action
Principal
Interest Earned
Payout / New Deposit
Notes
🏦 Amanah Saham
Fixed-price schemes like ASM, ASM2, ASM3, ASB — price is set manually (usually stable at RM1.00) and returns come mainly from dividends rather than price movement.
Total Value
$0.00
0 schemes
Total Invested
$0.00
Total Dividends
$0.00
0%
Schemes
📭
No Amanah Saham schemes yet
Add ASM, ASM2, ASB, or any fixed-price scheme to start tracking
📒 Ledger
Date
Scheme
Type
Units
Price
Amount
Notes
Actions
🏠 Real Estate
Properties, their purchase funding breakdown, rental cashflow, and bank loan / redraw activity — all in one place. Mortgage and redraw balances are calculated automatically from the ledger below, so they always stay in sync.
Portfolio Value
$0.00
0 properties
Total Mortgage Debt
$0.00
Net Equity
$0.00
Total Financing Cost
$0.00
Interest + fees paid to date
Available Redraw
$0.00
Properties
📭
No properties yet
Add a property to start tracking its purchase funding, rental cashflow, and loan activity
📒 Rental Cashflow Ledger
Date
Property
Category
Amount
Actions
🏦 Bank Loan & Redraw Ledger
Date
Property
Item
Amount
Actions
💵 Foreign Currency
Physical cash you're holding in foreign currencies — what you paid for it, and what it's worth today at the shared exchange rates set in Currency Settings.
Total Portfolio Value
$0.00
0 currencies in hand
Total Cost Spent
$0.00
Total exchange cost paid
Unrealised Profit / Loss
$0.00
0.00%
Currency
Cash Amount
Current Value
Total Cost
Avg Buy Rate
Market Rate
Unrealised P&L
Return (%)
Action
💵
No foreign cash yet
Log a Buy transaction to start tracking physical foreign currency you're holding
📜 Physical Cash Transaction Ledger
Date
Type
Currency
Foreign Amount
Rate
Base Amount
Owner(s)
Notes
Actions
📈 Income Forecast
Project expected yearly/monthly income by picking funds/accounts (with your own rate assumptions) and rented properties (with expected rent). Save as many scenarios as you like — nothing here affects your real transactions.
📈
No forecasts yet
Create a forecast to project expected income from your funds, accounts, and rented properties
🔮 Multi-Year Planner
A full multi-year cashflow simulator: accounts with expected returns, staged priority/allocation rules, a manual income timeline, an expense budget, and a year-by-year projection with a baseline-vs-actual comparison. Nothing here affects your real transactions.
Keep separate plans for different household members (e.g. "Me" and "Spouse") — each plan has its own accounts, rules, income, expenses, forecast, and baselines.
💾 Saved Forecasts
Every time you click "Generate Forecast", it's saved here for that plan — so switching plans never loses it. Click a card to view any member's forecast without regenerating.
No forecasts generated yet — go to the Forecast sub-tab and click "Generate Forecast".
🏦 Accounts
Just like Quick Forecasts: pick a scope (All Members / Joint / an individual) and a source (Unit Trust, Amanah Saham, KWSP, or Fixed Deposit), and the amount auto-fills as that group's current total — still fully editable. Real estate isn't included here.
🎚️ Staged Allocation Rules
Per year-range, set a priority (1 = paid down first during a deficit year) and an allocation % (share of any surplus that flows into that account).
🧾 Income Timeline
Key in each income source and one or more year ranges with your own amount — fully manual and editable, independent of your Income Forecast scenarios.
🛒 Expense Budget
🔮 Run Forecast
💼 Yearly Balance Snapshot
📊 Yearly Income vs Expense Trend
📋 Year-by-Year Detail
🆚 Baseline vs. Actual
Freeze the current live forecast's "Total All Accounts" per year as a baseline column, then key in each year's real end-of-year total to compare. Generate a forecast on the Forecast sub-tab first.
Generate a forecast on the Forecast sub-tab first
New Forecast
Funds / Accounts
Source
Amount (grouped total)
Rate %/yr
Yearly Return
Real Estate (Rented Only)
Property
Expected Monthly Rent
Yearly Return
Total Yearly Income
$0.00
Total Monthly Income
$0.00
Totals are converted to your base currency (⚙️ Currency in the nav bar) using your saved exchange rates.
Add Account
Add Staged Rule
Add Income Item
Add Expense Item
Add Cash Transaction
Currency Details
Cash Amount
0
Current Value
$0.00
Total Cost
$0.00
Avg Buy Rate
0.0000
Market Rate
0.0000
Unrealised P&L
$0.00
Return (%)
0%
📜 Transaction History
Date
Type
Foreign Amount
Rate
Base Amount
Owner(s)
Notes
Actions
Property Details
Purchase Cost
$0.00
Mortgage Balance
$0.00
Net Equity
$0.00
Available Redraw
$0.00
Monthly Rent
$0.00
Gross Yield
0%
Net Rental Cashflow
$0.00
Financing Cost
$0.00
Holding Period
—
Initial Purchase Breakdown
Date
Type
Particular
Amount
📒 Rental Cashflow
Date
Category
Amount
Actions
🏦 Bank Loan & Redraw Activity
Date
Item
Amount
Actions
Print Report
Choose which sections to include. Purchase Cost, Mortgage, Equity and other summary stats are always included.
Add Property
Initial Purchase Breakdown
Items marked "Bank Loan" sync automatically to the loan ledger as drawdown tranches — safe to edit or remove later, it won't create duplicates.
Date
Type
Particular
Amount
Purchase Cost (auto-summed):$0.00
Bank Loan Setup
Log Cashflow Entry
Log Loan / Redraw Activity
Record loan repayments, interest, service fees, drawdowns, or redraws.
Encrypt your fund names, amounts, dates, and notes at rest using AES-GCM. Your passcode is never stored anywhere — it only exists in this browser tab's memory while unlocked.
If you forget it, there is no recovery — your data becomes permanently unreadable.
Encryption is currently ON. Your data is encrypted at rest — you'll be asked for your passcode each time you open this file.
To turn encryption off and store your data as plaintext again, confirm your current passcode:
🔒
Enter Passcode to Unlock
Your data is encrypted. Enter your passcode to continue.
Export Backup
This protects this specific backup file — it can be different from your app unlock passcode. You'll need to enter it again when importing this file.
⚠️ 明文备份不含密码保护，请妥善保管 (This plaintext backup has no password protection — keep the file somewhere secure.)
🔒 Encrypted Backup
This backup file is encrypted. Enter the passcode that was used when it was exported.
Currency Settings
Set your base (reporting) currency and the exchange rate for every other currency you hold funds in. Rate = how many units of your base currency equal 1 unit of that currency. Use "Fetch Live Rates" to pull current rates from the web (requires internet), or enter them manually — rates are saved and reused until you update them again.
Manage Members
Add anyone who holds funds in this tracker — spouse, partner, kids, or yourself. Assign funds to one or more members to track individual and joint holdings.