Your bank statements, sorted.
Import the statements your bank already gives you. Monurus sorts every transaction and shows where your money goes, in English or Bahasa Melayu.
Free to try on your own statements: no card, and no time limit.
- 03 OctRide hailing KLTransport-12.50
- 04 OctElectricity billBills-96.20
- 05 OctKopi Corner BangsarCoffee-8.90
- 07 OctPasar Raya SegarGroceries-143.65
- 12 OctDuitNow to AhmadFamily-50.00
- 25 OctGaji OktoberIncome+4,850.00
Example statement, made-up data.
For statements from any Malaysian bank or e-wallet
Six tools. One clear app.
Everything you need to understand your money, in English or Bahasa Melayu.
See the whole month at a glance
Income, spending and what you saved, with charts you can tap into for the transactions behind them.
- The balance of every account, savings and cards
- Money moved between your own accounts is left out
- A review of each month when its statement is in, as a PDF too
- A bell for bills due, budgets running high and the month's review
- Your debt-free date, from your loans, cards and installments
Made-up figures
Budgets that warn you early
Set a monthly limit per category. Monurus tells you when you're heading over, while there's still time to do something about it.
- A suggested limit from what you usually spend
- Where you'll land by the end of the month, at this pace
- Trips: every payment in a trip's dates, against its own budget
Made-up figures
Subscriptions and bills, spotted
Repeating payments are found for you, with when the next one is due, so nothing renews without you noticing.
- Mark one you want to cancel, and see when the charges stop
- Bill reminders on your phone, never showing amounts
- Home internetRM 129.00Monthly · next on 3 Nov
- StreamingRM 54.90Monthly · next on 14 Nov
- Gym membershipRM 99.00Monthly · next on 1 Nov
- Car insuranceRM 1,240.00Yearly · next on 2 Mar
Made-up figures
Ask about your money
Ask in your own words and get the answer in seconds. The AI works it out from your own transactions, in English or Bahasa Melayu.
- Ask about one transaction straight from its details
- Your chats are saved, so you can carry one on later
- Tag payments your way, such as a trip, and ask what it all cost
- Ask how to do something in the app, and get the steps: where to go and what to press
How much did I spend on food last month?
RM 642.10 on 23 meals, most of it at Nasi Kandar Maju. That's RM 58 less than in August.
Berapa bil elektrik bulan ni?
RM 96.20, dibayar pada 4 Oktober.
Made-up figures
Your month on a calendar
Whether each day left you up or down, and the bills and salary still to come, so the end of the month holds no surprises.
- Card payment due dates, with the minimum to pay
- Installments counted down: EPP, Atome, SPayLater
- Tap a day for what came in, what went out and its transactions
Made-up figures
Tax relief, ready for e-Filing
Tick the payments that count for LHDN reliefs, type in EPF and insurance, and see each relief against its yearly limit, with a summary to file from.
- Lifestyle, medical, sports, childcare and the rest, from your own statements
- The AI suggests which payments count, and rules can tag them all year
- Zakat as a rebate, and each year's LHDN limits in English and Bahasa Melayu
- Snap each receipt and keep it with its payment, in case LHDN asks
- A PDF for e-Filing, listing each payment with its receipt
Made-up figures. A helper, not tax advice.
From sign-up to a clear picture in minutes
- 1
Create your account
Your email and a password. You also get a recovery code: with it, nobody but you can unlock your data. Then confirm your email with the link we send.
- 2
Add your bank accounts
Pick your bank and the type: savings or current, credit card, or e-wallet. Up to 3 on the free trial, and up to 10 on Pro.
- 3
Import your statements
Download them from your bank and drop in up to 10 at once. Every transaction is sorted, and you see where your money goes.
Locked with your password
Your bank statements are some of the most private things you own. Monurus is built so that your data stays yours. Read the privacy notice.
- Encrypted for each personYour data sits in its own encrypted database. Only your password, or the recovery code you save when you sign up, unlocks it.
- Locked when you log outWhile you're logged in, the server uses your data to read statements and answer your questions. When you log out it's locked again, and backups stay encrypted too.
- Careful with the AIAccount and IC numbers are masked before anything goes to the AI, and it only gets what each task needs. Never your password or your email.
- Yours to take or deleteExport everything as a spreadsheet or a backup at any time, even on the free plan. Delete your account and your data goes with it.
- No bank passwords, no adsMonurus never asks for your online banking login, and never sells your data or uses it for advertising.
- Malaysian privacy lawWe follow the Personal Data Protection Act 2010. The privacy notice says what we keep, why, and for how long.
Free to try, simple to keep
Start free with your own statements. Move to Pro when you want every month, for all your accounts, or to Family for your whole household.
| What you get | Free trialTo try it on your own statements RM 0no time limit
|
ProFor every month, every account RM 14a month Or RM 143 a year: save 15% |
FamilyUp to 4 people, each with Pro RM 24a month Or RM 245 a year: save 15% |
|---|---|---|---|
| Statements you can import | 3 in total | 10 every month | 10 a month each |
| Transactions per statement | up to 300 | up to 1,000 | up to 1,000 |
| Bank accounts | up to 3 | up to 10 | up to 10 each |
| Profiles such as Personal and Business, kept apart | up to 2 | up to 3 | up to 3 each |
| Receipts and files photos and PDFs on your payments | up to 20 | up to 1,000 | up to 1,000 each |
| Chat questions an estimate | about 30 in total | about 300 a month | about 300 a month each |
| A shared household for up to 4 people: shared accounts and budgets, who paid, splitting bills | No | No | Up to 4 people |
| Every feature dashboard, budgets, subscriptions, calendar, goals, tags, tax relief, receipts, trips, installments, debts and the payoff planner, PDF reports, splitting bills, sharing a profile to look at, export, backup and restore | Included | Included | Included |
| When you reach the limits | Read-only: view and export everything | Importing opens again next month | Importing opens again next month |
Chat questions are an estimate: very long questions use more of the monthly AI allowance.
Coming next
What we're building after the launch, and which plan each one comes with. Planned for 2027: tell us what matters most to you with Send feedback in the app.
- Pro
Cash flow forecast
Each account's expected balance 30, 60 and 90 days ahead, from your salary, bills and usual spending, with a warning before it runs low.
Plans and timing can change as we learn what people use most.
Good to know
Which banks does it work with?
Any bank that lets you download statements as CSV, Excel or PDF. CIMB has a dedicated reader today, and more Malaysian banks and e-wallets are coming. Tell us which ones you use with Send feedback in the app, and we'll start with those.
Do I need to give my online banking password?
No. Monurus never connects to your bank. You download your statement from your bank and import the file.
Is my data safe?
Each person's data is encrypted with a key that only their password, a passkey they add or their recovery code unlocks, and it's only used to give you the features you ask for. The privacy notice has the details, including what goes to the AI.
What if I forget my password?
Use the recovery code you save when you sign up, and everything comes back. Without your password or the recovery code nobody can open your data, not even us, so keep that code somewhere safe.
Does it work on my phone?
Yes, in your phone's browser, and it installs like an app. An Android app comes with the launch, and an iPhone app shortly after.
Is Monurus financial advice?
No. Monurus organises your own statements so you can see your money clearly. It doesn't give investment or financial advice, and its tax relief page gathers your numbers for e-Filing without being tax advice: LHDN's rules decide what counts.
Is it in Bahasa Melayu?
Yes. The whole app works in Bahasa Melayu or English, and you can switch at any time.
How many bank accounts can I add?
Up to 3 on the free trial and up to 10 on Pro. Savings and current accounts, credit cards and e-wallets all count, and each one gets its own colour on your dashboard.
Can I keep my business money separate?
Yes. Add a profile, such as Business, and it gets its own bank accounts, categories and budgets, encrypted on its own. Up to 2 profiles on the free trial and up to 3 on Pro. Your plan's limits are for all your profiles together.
Can someone else see my figures?
Only if you share a profile with them. Share it in Settings with someone who has a Monurus account: once they accept, they can look at it and download its PDF reports, but not change anything. You see each time they look, and you can stop sharing any time. Up to 3 people for each profile, on every plan.
What's the Family plan?
Pro for up to 4 people, plus a household you share: import the joint account into it, keep shared budgets, see who paid and split bills. RM 24 a month or RM 245 a year for everyone. Each person keeps their own profiles, private.
Can I cancel Pro?
Yes. Once Pro is on sale, you cancel it in the app at any time, without contacting us. Your data stays: you can still view and export everything.
Start free today
Sign up with your email, confirm it with the link we send, and import your first statement. The free trial has no time limit.