Kire logs your spending straight from your bank alerts, shows what's safe to spend until payday, and helps you clear your loans. Built for Malaysia. Everything stays on your iPhone.
MAE, CIMB OCTO, TNG eWallet, Wise and others already tell you every time money moves.
Kire reads it on your phone
An iPhone Shortcut passes the alert to Kire. It picks out the amount, the shop and the account, and knows a top-up or a transfer to yourself isn't spending.
Your budget is already up to date
Kire learns your categories from what you pick, so ZUS Coffee goes to Food & Drinks next time without asking.
Know what's safe to spend until payday
Tell Kire your payday. It sets aside the bills due before then and shows what you can spend each day. Paid early because the 25th falls on a Sunday? Kire knows.
See every loan in one place: how much of your pay goes to them, which one to clear first, and when you'll be debt-free.
Avalanche or snowball plan, with a chart
Buy Now Pay Later and online financing like SFinancing-i
Pay part, in full or extra, and watch the balance drop
Points you to AKPK's free counselling when payments get too heavy
Debt-freeAug 2029
Interest savedRM 4,180
GXBank18% · clear first
Atome2 instalments left
Car loankeep paying on time
Your CCRIS report, made clear
Download your free report from Bank Negara's eCCRIS and open it in Kire. Every facility in it, from housing and car loans to cards, personal loans and PTPTN, becomes a loan you can track, with no typing.
Lender, type, limit, balance and monthly instalment for each facility
Your 12-month repayment record in plain words: up to date, behind, or caught up
Checked against the report's total, so nothing is missed
Instalments become bill reminders, and AKPK plans are recognised
Import again each month to refresh your balances
Read on your iPhone and never uploaded. Kire keeps only the last 4 digits of each account number.
PDFeCCRIS report8 facilities found · total matches✓
GXBankCaught up
Revolving credit · ••4821
043322100000
Latest month first
Car hire purchaseOn time
RM 64,210 left · RM 1,186 a month
Housing loanOn time
RM 312,900 left · RM 1,540 a month
Bills and subscriptions, even in USD
Add Unifi, Maxis, Netflix or your ngrok and Claude plans once, and Kire reminds you before each is due. Foreign subscriptions are converted to ringgit at today's rate, with your card fee.
Reminders before every due date
Tag a bill for LHDN relief and every payment counts in Tax
Undo a payment and everything goes back
📶MaxisDue in 3 days · Lifestyle reliefRM 968.80
✳︎ClaudeDue in 9 daysUSD 20.00≈ RM 90.90
▶︎NetflixRM 30 paid · WiseRM 54.80
Ask Kire about your money
Kire works out the numbers from your own accounts, bills and loans, then Apple's on-device AI explains them in plain words. Nothing is sent to a server.
Needs an iPhone with Apple Intelligence.
Can I afford RM 300 this month?
Yes, but it's tight. After your bills you'd have RM 412 left until payday on 25 Nov, about RM 46 a day instead of RM 79.
Save with a plan
Set a goal with a date and Kire tells you how much to put aside each month. MAE Tabung boosters count as savings, not spending.
An emergency fund sized to what you really spend
Monthly and yearly saving targets
Habits Kire notices, like payday splurges and weekend spending
🛡️Emergency fundBy Dec 2027 · MAE Tabung38%
RM 4,560 of RM 12,000RM 535 a month to go
🕋UmrahBy Mar 202812%
Snap a receipt, keep the details
Point the camera at a receipt and Kire reads the shop, the date and the total, then fills in the expense for you. Every transaction can carry the proof and the story behind it.
Scan with the camera or pick a photo, read on your iPhone
Attach photos, PDFs and any file, like warranty cards and invoices
Add a remark, like who you paid for or what to claim
Saves where you were, with the nearby shop's name filled in
Type it fast: "nasi lemak 8.50" or "grab rm23 semalam" just works
ZUS COFFEENilai 3
Spanish Latte12.90
Croissant6.50
SST 6%1.16
TOTAL20.55
RM 20.55
CategoryFood & Drinks
NoteZUS Coffee
Place📍 ZUS Coffee, Nilai
Attachments📎 receipt.jpg
RemarkClaim from office
See where your money goes
Monthly reports break your spending down by category, and Kire quietly learns your habits from the last 90 days, so you can see what to change.
Reports by category and month, with trends
Tap any budget to see every transaction in it and what's left per day
A spending map with your top places
Habits like weekend spending, payday splurges and your savings rate
Each account's balance and its money in and out
RM 3,412October
Food & Drinks34%
Groceries21%
Transport18%
Bills15%
Others12%
Weekends cost 2.4× moreRM 96 a weekend day against RM 40 on weekdays.
You keep 18% of your payA common target is 20%.
Know where you spend
Every expense remembers where it happened, and Kire names the shop nearby for you. Open the spending map to see the month as pins, then your top places by how much you spent there.
Pins coloured by category, month by month
Tap a pin to see and edit that transaction
Top places with total spent and number of visits
Pick the right shop from places nearby if Kire guesses wrong
Location stays on your iPhone. You can turn it off any time.
☕🍛🛒⛽☕🎬
☕ZUS CoffeeToday · Food & Drinks−12.50
Top places this month
📍 Lotus's Nilai×4RM 612
📍 Petronas×4RM 400
📍 ZUS Coffee×11RM 138
Tax season, already added up
Tag spending that's claimable, like books, gadgets, internet, gym, medical or childcare, and Kire adds it to the right LHDN relief as you go. Enter your pay, PCB and zakat to see an estimate of what you'll owe or get back.
Every LHDN relief with its limit, filled in as you spend
Bills like Unifi or a gym membership are tagged on every payment
Spouse, children, EPF, insurance and SSPN reliefs included
An estimate to plan with, not a replacement for e-Filing.
Estimated taxRM 1,820
PCB paidRM 2,100
About RM 280 back after filing
LifestyleRM 1,920 / 2,500
Sports & gymRM 640 / 1,000
MedicalRM 450 / 10,000
EPFRM 4,000 / 4,000
Everything in Kire
Logging without typing
Bank and e-wallet alerts logged automatically
Apple Pay taps logged automatically
Transfers between your own accounts and wallet top-ups spotted
Duplicate alerts ignored
Categories learned from your choices
Quick add in plain words, in BM or English
"Quick add in Kire" with Siri
Receipt scanning
Every ringgit, in detail
Banks, e-wallets, cash, cards and savings accounts
Your own icon or emoji and colour for each account
Total balance and every account's balance
Remarks, photos, PDFs and files on any transaction
Location and a spending map
Foreign currencies with today's rate and your card fee
MAE Tabung boosters counted as savings
Payday and planning
Safe to spend each day until payday
Payday calendar with every bill
Weekend payday rule and early salary
Yearly pay rise in your forecasts
Monthly budgets with alerts at 80% and when you go over
Online financing like SFinancing-i, with profit shown
Instalments ticked off from repayment alerts
Debt plan: avalanche or snowball, extra payments, debt-free date
How much of your pay goes to loans, and AKPK guidance
Insights and AI
Ask Kire, on-device AI that answers from your own numbers
"Can I afford it?" worked out before you buy
Your profile, goal and habits Kire has learned
Monthly reports and trends
LHDN tax estimate with reliefs
Private and handy
Everything stays on your iPhone
Face ID lock and hide-balance
iCloud sync and full backups, with reminders
CSV export
Home Screen and Lock Screen widgets, with quick add
Bahasa Melayu and English
Dark and light mode
Your money stays on your phone
No account to sign up for, no bank login, no ads. Kire reads alerts on your iPhone and keeps your data there, or in your own iCloud if you turn on sync.
Never asks for your bank password
Works without internet
Your CCRIS report is read on the phone and never uploaded
Reads alerts from the apps you already use
Maybank MAE CIMB OCTO RHB Public Bank Hong Leong Bank Islam AmBank GXBank TNG eWallet Wise GrabPay ShopeePay Boost Atome SPayLater
Bank names are trademarks of their owners. Kire isn't affiliated with any bank. More are added as people share their alert formats.
Free to start
Free
RM 0
30 auto-logs to try it
Manual logging, budgets, bills
Payday, reports, tax, map
2 savings goals
Kire Pro
RM 4.90/month
or RM 39.90 a year
Unlimited auto-logging
CCRIS import
Ask Kire
Unlimited goals
Questions
Does Kire connect to my bank?
No. Kire never asks for your bank login. It reads the notifications your banking apps already send, through an iPhone Shortcut you set up once.
How do I get my CCRIS report?
Register for free at eCCRIS on Bank Negara Malaysia's website, request your report and download the PDF. Then in Kire, go to Plan, Loans, Import CCRIS report and pick the file.
Which iPhone do I need?
Any iPhone on iOS 17 or later. Logging straight from bank alerts needs iOS 27, and Ask Kire needs an iPhone with Apple Intelligence.
How much does it cost?
Kire is free to download and use. Your first 30 auto-logs are free too. Kire Pro is RM 4.90 a month or RM 39.90 a year, and you can cancel any time. If you stop, nothing you've recorded is lost.
Is there an Android version?
Not yet. Kire is for iPhone only for now.
What happens to my data if I change phones?
Turn on iCloud sync, or make a backup in Kire and restore it on the new phone.
Cuba kire-kire dulu.
Free to download. Your first 30 auto-logs are on us.
Kire