Built for Malaysia
EPF Persaraan, Sejahtera and Fleksibel, ASB, Tabung Haji, SSPN, PTPTN, gold and more. Pick a suggestion and the category fills itself in.
Net worth tracker for Malaysians
Your net worth, the simple way.
Add what you own and what you owe — EPF, ASB, Tabung Haji, your home, your car loan — and OyenKu turns it into one number you can track, month by month.
Your data stays on your device. No account or bank connection required.
See it clearly
Everything you own and owe, in one number.
Banks, EPF, ASB, gold, property and loans together — instead of scattered across apps and statements.
What you own, and what you owe
Home loans, car loans, ASB financing, credit cards and Buy Now, Pay Later sit next to your savings, so the number is honest.
Accounts in other currencies
Keep an SGD or USD account. It's converted at the latest available reference rate, and your totals stay in ringgit.
Share your progress
Make a cute image of your journey to share — with or without the amounts.
Track it
Month by month, see where you're heading.
Update your balances once a month. OyenKu keeps the history and shows you what moved.
Your history
See how your net worth changed, month by month — what went up, and what you paid down.
Net worth target
Set a target and watch the progress bar fill up on your home screen.
Calculators
Compound growth, retirement and debt payoff — simple estimates to help you plan.
Monthly reminder
A nudge on the 1st of each month to update your balances, so your history stays complete. No amounts in the notification.
For your family
If something happens, they'll know where everything is.
OyenKu helps the people you love know what you have and where to find the important details.
Emergency & estate PDF
A password-protected PDF of your accounts, balances and where your documents are, for your executor or next of kin.
Insurance & takaful
List your policies, policy numbers and nominees, so your family knows what coverage exists and who to contact.
A Malaysian checklist
Helpful reminders for EPF nominations, ASB, insurance, eGUMIS and estate administration.
Unclaimed money
A yearly nudge to check eGUMIS for any unclaimed money in your name.
Yours, privately
No account. No bank connection. Just you.
OyenKu keeps your finances on your phone, encrypted. We never see your balances.
Stays on your device
Your accounts and history are stored encrypted on your phone, not on our servers.
App Lock and Hide balances
Face ID, fingerprint or your passcode after 30 seconds away, and one tap hides every amount. Free for everyone.
Password-protected backups
Export a backup only you can open, and restore it on a new phone.
No ads, no tracking
No adverts, no analytics on your money, nothing sold to anyone.
OyenKu Pro
Free to start. Pro when you want more.
Track up to 5 accounts for free. Pro adds:
- Unlimited accounts
- Your full history
- Every category, month by month
- Download to Excel
- Net worth target
- Emergency & estate PDF
Yearly (with a free trial) or a one-time Lifetime purchase, through the App Store or Google Play. If Pro ends, your data stays yours.
Start with one account today.
Oyen will cheer you on from there.