Financial Dashboard

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Unified Financial Intelligence • November 2026

Financial Dashboard

Live multi-bank liquidity, consolidated e-wallets, cashflow velocity, and disposable living buffer.

Day Week Month Year

Liquid Funds & Wallets

9 Active
Settings
Total Liquid Funds
MYR42,831.99

Available across all banks, cash & digital wallets

Net Position
MYR -1,678,951.96
Bank Accounts
MYR42,635.26
Maybank MYR 37,268.78
UOB MYR 821.57
GXBank MYR 1,120.91
Salary & Direct Deposits
Digital E-Wallets
MYR141.73
Touch n Go eWallet MYR 141.73
Consolidated E-Money
Cash in Hand
MYR55.00
Cash in Hand MYR 55.00
ATM Withdrawals & Notes
2026-11 Net Take-Home
MYR 9,748.35

Gross: RM 11,000

Streams →
Total Fixed Commitments
MYR 4,854.67

49.8% of net take-home

Commitments →
Disposable Living Buffer
MYR 4,893.68

Healthy Surplus Buffer (Left to Use)

Buffer →

Daily Expenses Distribution

November 2026

Tracking daily outflow pattern and spending spikes.

Total Spent: MYR 0.00
01 Nov 2026: MYR 0.00
1
02 Nov 2026: MYR 0.00
2
03 Nov 2026: MYR 0.00
3
04 Nov 2026: MYR 0.00
4
05 Nov 2026: MYR 0.00
5
06 Nov 2026: MYR 0.00
6
07 Nov 2026: MYR 0.00
7
08 Nov 2026: MYR 0.00
8
09 Nov 2026: MYR 0.00
9
10 Nov 2026: MYR 0.00
10
11 Nov 2026: MYR 0.00
11
12 Nov 2026: MYR 0.00
12
13 Nov 2026: MYR 0.00
13
14 Nov 2026: MYR 0.00
14
15 Nov 2026: MYR 0.00
15
16 Nov 2026: MYR 0.00
16
17 Nov 2026: MYR 0.00
17
18 Nov 2026: MYR 0.00
18
19 Nov 2026: MYR 0.00
19
20 Nov 2026: MYR 0.00
20
21 Nov 2026: MYR 0.00
21
22 Nov 2026: MYR 0.00
22
23 Nov 2026: MYR 0.00
23
24 Nov 2026: MYR 0.00
24
25 Nov 2026: MYR 0.00
25
26 Nov 2026: MYR 0.00
26
27 Nov 2026: MYR 0.00
27
28 Nov 2026: MYR 0.00
28
29 Nov 2026: MYR 0.00
29
30 Nov 2026: MYR 0.00
30
Today's Outflow: MYR 0.00
0 Transactions in period

Category Spending

0 Categories
No categorized expenses for November 2026.
Budget Targets Set Spending Caps →

Loans & Term Liabilities Outstanding: MYR 1,634,243.54

Mortgage, car loans & recurring debt obligations

Schedules →
Housing Loan (Alliance) Loan / Liability
MYR1,434,209.75
Monthly Payment: MYR 1,904.00
Car Hire Purchase (VMG8201) Loan / Liability
MYR145,100.00
Monthly Payment: MYR 1,600.00
Overdraft Facility Loan / Liability
MYR54,000.00
Monthly Payment: MYR 1,154.00
Shopee SLoan Shopee SLoan / PayLater
MYR933.79
Monthly Payment: MYR 196.67

Credit Cards & Pay Later Utilized: MYR 87,540.41

Card balances and digital pay-later limits

Shopee SPayLater PayLater
MYR231.04
Limit: MYR 3,000.00
RHB Credit Card Card
MYR5,913.40
Limit: MYR 15,000.00
Mastercard Card
MYR15,464.53
Limit: MYR 20,000.00
American Express Card
MYR7,003.41
Limit: MYR 15,000.00
HSBC Credit Card Card
MYR30,382.68
Limit: MYR 35,000.00
UOB Credit Card Card
MYR28,545.35
Limit: MYR 30,000.00

Account Flow Feed 6 Entries

Real-time ledger tracking which bank, e-wallet, or cash pile funded each transaction.

View Full Ledger →
Date Type Description / Merchant Account Flow Amount Actions
12 Sep 2026 Expense
Lotus's Supermarket
Full Cream Milk 1L
 Maybank -MYR 337.50
11 Sep 2026 Expense
Petronas Station
RON95 Petrol
 Touch n Go eWallet -MYR 53.73
10 Sep 2026 Expense
FamilyMart
Oden & Onigiri
 Cash in Hand -MYR 18.20
09 Sep 2026 Expense
Tenaga Nasional Berhad
TNB Electricity Bill
 GXBank -MYR 128.25
09 Sep 2026 Expense
Mid Valley Parking
Basement Carpark Fee
 Touch n Go eWallet -MYR 12.00
06 Sep 2026 Income
Company Payroll
Monthly Salary
 Maybank +MYR 11,000.00
|
Loan Repayment & Knock-Off Debt Reduction

Knocks off loan balance & marks scheduled installment as paid

No loan or liability accounts found. You can add one under Settings > Accounts.

Current Facility Balance MYR
Knock-Off Impact -MYR
SP
SPayLater Installment Plan Auto-calculated

Splits amount into monthly installments & adds to Shopee SPayLater schedule

Custom Tenure
mo
%
Principal: RM Interest: +RM Repayment: RM

Enter an amount below to generate the editable monthly installment tiers table.

Itemized Items (Type to search or auto-add)
Items Subtotal: RM
MYR

Edit Transaction
|
Loan Repayment & Knock-Off Debt Reduction

Knocks off loan balance & marks scheduled installment as paid

No loan or liability accounts found. You can add one under Settings > Accounts.

Current Facility Balance MYR
Knock-Off Impact -MYR
SP
SPayLater Installment Plan Auto-calculated

Splits amount into monthly installments & adds to Shopee SPayLater schedule

Custom Tenure
mo
%
Principal: RM Interest: +RM Repayment: RM

Enter an amount below to generate the editable monthly installment tiers table.

Itemized Items (Type to search or auto-add)
Items Subtotal: RM
MYR

Receipt Verification & AI Parser

Step 2 Verification — Raw parsed receipts are never auto-committed without your review.

Receipt Scanning Disabled — Google API Key Required

Standard OCR has been disabled because it produces inaccurate and inconsistent receipt parsing. To ensure reliable merchant, itemized product, and total detection, this feature requires a Google Gemini Vision API Key.

i How to Get Your Free Key (Free, No Credit Card):
Google AI Studio ↗
  1. 1. Open Google AI Studio (aistudio.google.com) and sign in.
  2. 2. Click the blue "Create API Key" button.
  3. 3. Copy your generated key (starts with AIzaSy...).
  4. 4. Paste the key below and click Unlock Scanner.

Your key is stored securely in your user profile with AES-256 encryption. You can also manage it anytime under Settings.

Google Gemini Vision Active Change Key in Settings

Scan Receipt with AI Vision

Snap paper receipts directly using your phone's camera, or upload an existing photo or screenshot.

Supports JPEG, PNG, WebP up to 20MB
Need to upload an AKPK DMP Letter (PDF schedule)?
Go to Settings →

Analyzing Receipt Contents...

Detecting merchant, transaction date, line items, and grand total. Preparing confirmation drawer...

Go to Settings & Accounts
Receipt Document

Click thumbnail to inspect full receipt image anytime.

Document (30%)

Click preview to open full high-res image

Extracted Fields

Review & modify any values before committing

AI Vision in Fallback Demo Mode

GEMINI_API_KEY is not configured in .env. The scanner cannot read image contents directly yet and loaded placeholder demo values. Set your Google Gemini API key to activate real receipt OCR.

AI Vision Model Inactive — Fallback OCR Used

AI Vision encountered a temporary delay or rate limit (). Raw text was recovered using the secondary OCR text engine.

AI Vision & OCR Engine Failed to Parse Receipt

Neither AI Vision nor the OCR engine could extract fields from this receipt image. Default placeholder values have been loaded. Please inspect the receipt preview on the left and enter your items and amount manually.

Itemized Breakdown
Unable to Save Transaction:

High-Resolution Receipt Preview Click outside or press Esc to close
New Tab
High Resolution Receipt