🇲🇾 Malaysia's anti-pokai money app
A money app that speaks Malaysian.
Tell it gaji 4200 on Telegram — take-home is computed with EPF, SOCSO & EIS automatically, and your KWSP contribution tracks itself. Works abroad too.
Free during beta · No ads · Your data stays yours
A look inside
Not screenshots. The actual app.
Every chart below is a live component from IZ Finance, rendered with sample numbers.
6-month trend
Net worth growth
Anti-Pokai Score
Financial health, one number.
Savings rate, budget discipline and net-worth growth — blended into one 0–100 score, trended every month.
"Solid month. Keep stacking, kawan."
Spending mix
Where it went
- NeedsRM 2,080 50%
- WantsRM 720 17%
- InvestRM 1,400 33%
How it works
Three steps. That's the whole loop.
Set your income.
Bot or web. We split it across Needs, Wants and Invest the moment it lands.
Log spends in seconds.
Type `lunch 15` — in the web app or the Telegram bot. Done.
Watch your net worth grow.
Monthly AI report. KWSP, ASNB, ETF — tracked in MYR.
Every ringgit, handled
Capture → Clarity → Coach
Three pillars, one loop — log it, understand it, get better at it.
Izzy — IZ Finance
online
✅ Salary logged — RM 4,200
Take-home: RM 3,677.80
EPF −RM 462.00 · SOCSO −RM 20.75 · EIS −RM 8.30
KWSP +RM 462 tracked ✓
✅ Logged: Needs · Meals · RM 12.00
Needs bucket: 62% used. Steady la.
01 Capture
Log anything, from anywhere, in seconds.
Text gaji 4200 and Izzy computes your actual take-home — EPF, SOCSO and EIS deducted, KWSP contribution auto-tracked in your net worth. No manual entry, no spreadsheet. A quick lunch 12 later and it's categorised, bucketed and counted. Log the same way from the web app's + Logbutton, or let Telegram, Apple Pay and TnG catch it automatically — whatever's in your pocket already.
02 Clarity
Your true net worth — not just a balance.
Assets minus debts — KWSP, ASNB, ETFs and loans — in one number, trended month over month. Log your salary and your EPF balance grows automatically: no bank login required, just honest maths. Set goals with target dates and watch the assets funding them stack up in real time.
03 Coach
Know if you're winning — every month.
The Anti-Pokai Score blends savings rate, budget discipline and net-worth growth into one 0–100 number, trended so you can see if you're improving. Budget alerts hit your Telegram at 80% and 100% so you never overshoot in silence. On the 1st, an AI monthly report names your anomalies — that RM 420 café spike — and tells you exactly what to fix next month.
What it actually does
ways to capture — Telegram, email, web
Anti-Pokai health score, every month
KWSP, ASNB & EPF built in
row-level security on every table
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.
Frequently asked
Things people usually ask.
Do I have to use Telegram?+
No. Web works standalone — Telegram just makes logging faster.
Is my data safe?+
Yes. Row-level security on every table; nobody else sees your data, including me.
Can I use it outside Malaysia?+
Yes. Multi-currency is built in — see every amount in your currency at daily rates, with values anchored in MYR. The categories (KWSP, ASNB) are Malaysia-first, but the budgeting works anywhere.