🔒 100% Private - No data collected. All your financial data is stored locally in your browser.
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Saved!

My Net Worth

Track, Plan & Grow Your Financial Future

How It Works

1
Set Your Income
Enter your salary and deductions
2
Add Your Debts
List all loans and credit cards
3
Track Your Assets
Add savings and investments
4
Watch Your Wealth Grow
See projections and pay off debt faster

Quick-Start Templates

Don't want to start from scratch? Try one of these templates:

🎓
First Job Starter
Perfect for fresh graduates
💳
Debt Consolidation
Managing multiple debts
📈
Wealth Builder
Focus on growing wealth

Your data is stored locally in your browser. Nothing is sent to any server.

Step 1 of 4

Income & Budget

Let's start by understanding your monthly cash flow

Gross Income

Personal Information

Tax Category (for PCB calculation)

Statutory Deductions

Living Expenses

Gross Income: RM 0
  EPF Employee: -RM 0
  PCB / Tax: -RM 0
  EIS: -RM 0
  SOCSO: -RM 0
Total Deductions: -RM 0
Net Pay: RM 0
Living Expenses: -RM 0
Available for Debt/Savings: RM 0
Min. Debt Payments: -RM 0
Asset Contributions: -RM 0
Remaining: RM 0
Employer EPF (not in take-home): RM 0
Auto-Calculated Deductions:
- EPF: Based on KWSP Third Schedule (11%/9%/0% employee rate, 13%/12% employer)
- SOCSO: First Category (Injury & Invalidity) based on PERKESO brackets
- EIS: Employment Insurance based on PERKESO brackets (max RM 6,000 salary)
- PCB: Based on YA 2026 tax brackets with reliefs (RM 9,000 individual + RM 4,000 spouse + RM 2,000/child)

Tip: If your available amount is negative, review your expenses. Aim to have at least 20% of income available for debt repayment or savings.

Monthly Breakdown

Recurring Income & Expenses

Track additional income sources and fixed monthly expenses beyond your salary.

+ Recurring Income

- Recurring Expenses

Total Recurring Income: +RM 0
Total Recurring Expenses: -RM 0
Net Monthly Impact: RM 0
Tip: Tracking recurring expenses helps identify subscriptions you may have forgotten about. Review this list monthly to cut unnecessary costs.
Step 2 of 4

Your Debts

List all your loans and credit cards

Current Debts

💳

No debts added yet. Add your first debt below!

Add New Debt

🏦 Bank Negara Malaysia (BNM) Rates Guide:
Simple Rate: Credit Cards 15-18% | Personal Loans 8-12%
SBR-Based: Current SBR ~3.00% (2026) | Housing Spread +0.5-1.5% | Car Spread +1.0-2.5%
Ceiling Rate: Maximum 15% p.a. (BNM regulation)
Step 3 of 4

Your Assets

Track your savings, investments, and property

Current Assets

💰

No assets added yet. Add your first asset below!

Add New Asset

Typical Returns: Savings: 2-3% | EPF: 5-6% | ASB: 5-7% | Tabung Haji: 3-5% | Gold: 3-8% | Bitcoin: varies | Stocks: 7-10% | Property: 3-5%
Dashboard

Your Financial Overview

Track progress, plan strategies, and watch your wealth grow

Current Net Worth
RM 0
Total Assets
RM 0
0 items
Total Debts
RM 0
0 items
Monthly Cashflow
RM 0
After all commitments
DSR
0%
Debt/Asset
0%
Savings
0%
Emergency
0 mo
Health
-

Wealth Projection

Inflation Adjusted
Debt-Free Date
-
Interest Saved
RM 0
5-Year Net Worth
RM 0
10-Year Net Worth
RM 0
30-Year Net Worth
RM 0

Debt Payoff Strategy

Snowball
Lowest First
Avalanche
Highest Rate
Min Only
Minimums
Total Debt
RM 0
Min Payments
RM 0
Extra Cash
RM 0

Debt Priority List

# Creditor Balance Rate Payment Action

Assets Summary

Monthly Budget

Gross Income RM 0
Statutory Deductions -RM 0
Living Expenses -RM 0
Debt Payments -RM 0
Asset Contributions -RM 0
Remaining RM 0

Quick Actions

Get personalized financial advice from ChatGPT, Claude, or other AI assistants

🔮 What-If Scenario Planner

Plan your future by adding hypothetical debts or assets to see how they would affect your financial outlook.

Add Scenario Item

Scenario Items

💭

No scenario items yet. Add a hypothetical debt or asset to see the impact!

Net Worth History

Track your financial progress over time. Data is saved daily.

Not enough data yet. Check back after a few days of tracking.

📊 Financial Health Score

--
--
DSR --
Emergency Fund --
Net Worth --
Savings Rate --

🛡️ Emergency Fund

Progress 0%
Current
RM 0
Target
RM 0
Months Covered
0
Shortfall
RM 0
Add expenses and liquid assets to calculate

Tools & Backup

Monthly Tracking

Track payments, view history, and monitor your financial progress

Upcoming Payments

0
📅

No upcoming payments in the next 7 days

This Month

Payments 0
Total Paid RM 0
Principal RM 0
Interest RM 0

Financial Journey

Start tracking
💳
0 Payments Made
📉
RM 0 Debt Reduced 0%
📈
RM 0 Assets Grown 0%
🎯
RM 0 Net Worth Change 0%

Monthly Breakdown

Month Payments Principal Interest Debt Δ Assets Δ Net Worth
Your financial journey will appear here as you track payments

Payment History

0
Date Debt Amount Principal Interest Balance Actions
No payment history yet. Record your first payment!
+ Record Payment