How to use the KiraBoss Money Tracker

The Money Tracker turns your salary, loans and savings into one monthly picture.

1. Add your income

Enter your take-home pay — the amount that lands in your bank after EPF, SOCSO, EIS and PCB. Not sure? Work it out with the Salary Calculator first. Add side income as a second row.

2. Add your commitments

Tap the quick-add chips: housing loan, car loan, PTPTN, credit card, TNB/water, phone/Unifi, insurance, subscriptions. For loans, open Loan details and enter the outstanding amount, interest rate and remaining term — the tracker then shows your payoff date and what an extra RM 100 a month would save.

3. Set savings goals

Emergency fund, ASB/ASNB, Tabung Haji, fixed deposit, EPF top-up or unit trust. Each one is pre-filled with a typical return, and ASB-style accounts are compounded yearly the way dividends are really declared.

4. Read your numbers

• Loan load (DSR) — instalments as a share of income. Banks are usually comfortable below 60%.
• Savings rate — aim for 10–20%.
• Emergency fund — three months of commitments is the standard target.
• Money coach — plain-language tips on what to fix first.

Keeping your data safe

Signed in with a free KiraBoss account, your tracker is stored in your account and follows you to any device. As a guest, everything stays in that browser only — clearing cache, history or using incognito deletes it, so use Backup to download a copy.

New to it? Tap Load sample data to see a filled-in example before entering your own numbers.