MALAYSIA-FIRST PERSONAL FINANCE
Your money. Made clear.
Track expenses, manage budgets and understand your finances with Spenza, a Malaysia-first personal finance mobile app built for everyday life here.
Spenza is publicly available for Android. Download directly from the official website.
Your everyday, in perspective.
Your money is personal.
Make sense of yours.
From your morning kopi to your monthly bills.
Spend less time sorting. See more clearly.
Everyday spending. Clearly understood.
See your accounts, categories and recent activity in one clear view.
Scroll to follow the story. Or choose a chapter.
Scan your receipt.
Review the details.
OpenAI (GPT) reads receipt and bank-statement details and suggests transaction categories. Review the draft before saving.
- 01Capture
- 02Extract
- 03Review
Scan. Extract. Review before saving.
Your week at a glance.
Your Financial Coach.
Built around your money.
Spenza is upgrading its existing Financial Coach with Claude support for conversational spending analysis, budgeting guidance, transaction understanding and Malaysian financial-data reasoning, including MYR transactions and mixed Malay-English questions. That includes Malaysian merchants and everyday payment workflows.
Claude support is implemented server-side but is not yet active in production.
Google Gemini currently provides spending insights and Financial Coach. OpenAI (GPT) handles receipt and bank-statement extraction when available.
AI runs server-side and depends on provider availability. Coach is informational, not financial advice.
The details, together.
From the daily balance
to the bigger picture.
Every account. One place.
Bank, cash and e-wallet balances, brought together. Track manually without sharing your banking password.
Your money is personal.
It should stay that way.
Spenza is a Malaysia-first personal finance mobile app founded in June 2026 by Ahmad Zulhilmi, its solo founder and developer. Built around real life here, with MYR at its heart.
Read our privacy policyClarity includes control.
Review your records before saving. Track accounts without sharing your online banking password. Find account and data deletion instructions whenever you need them.
Before you begin.
Android app. Clear expectations.
Can I download Spenza now?
Available for Android. Download directly from the official Spenza website. Spenza is available for Android as a direct APK download. Google Play and iOS distribution are not currently available. You can watch the real Android app on the demo page. Download for Android / Watch Demo
What plans will be available?
Free covers everyday spending, budgets and personal subscription tracking. Spenza Premium is Coming Soon. Paid subscriptions, checkout and purchase restoration are not available in the direct Android release. Family is a planned shared workspace tier.
Does Spenza connect to my bank?
Spenza supports manual tracking and statement imports, rather than a live bank connection. It does not ask for your online banking password. CSV imports support Maybank, CIMB and RHB.
How are receipts and AI handled?
Receipt and statement capture use OpenAI (GPT), when available, to create a draft for your review. Insights and Financial Coach currently use Google Gemini. AI runs server-side and depends on provider availability. See the Privacy Policy for data handling. Coach is informational, not financial advice.
Does Spenza use Claude?
Spenza is upgrading its existing Financial Coach with Claude support for conversational spending analysis, budgeting guidance, transaction understanding and Malaysian financial-data reasoning, including MYR transactions and mixed Malay-English questions. Claude support is implemented server-side but is not yet active in production. Google Gemini currently provides spending insights and Financial Coach. OpenAI (GPT) handles receipt and bank-statement extraction when available.