How it works Features Pricing English Bahasa Melayu

Know your money.
Build your habits.

Rizqi is not a budget tracker. It is a financial coaching system that helps you understand your behaviour, spot blind spots, and make better decisions — week by week.

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Brunei Darussalam 🇧🇳

Most apps show you numbers.
Numbers alone don't change behaviour.

You already know you spent too much. What you need is to understand why — and what to do differently next time.

Budget tracker
Budget trackers show data
They tell you what happened. They don't help you understand why or what to change.
Overspending
Overspending feels random
Wednesday was expensive again. But nobody told you Wednesday keeps showing up.
Goals drift
Goals drift without guidance
You set a savings goal. Three months later you're not sure what happened to it.

How it works

A coach in your pocket.
Not a spreadsheet.

1
Log your spending in seconds
Amount, category, done. The whole flow takes under 10 seconds. The habit forms because it's easier to log than to skip — and every logged day compounds.
2
Rizqi finds the patterns you miss
Wednesday keeps costing you. Coffee is trending up for the third week. Your goal is drifting. Rizqi names these things — calmly, specifically, without judgement.
3
Your coach tells you what to do next
Not generic advice. One specific action — a real number, a real day. Something small enough to actually do.
4
The habits build themselves
Streaks, stamps, score — designed using the same behavioural principles that make good habits stick. You're not just tracking money. You're building the habit of paying attention.
Coach Rizqi — Week 18
Weekly insight
—
This week cost a little more than you planned, but it's not as worrying as it first appears.
—
One thing stood out. Wednesday has become your most expensive day for three weeks running. That's a pattern — and patterns can be changed once you see them.
—
Your Holiday Fund is at 43%. Adding BND28 more each week keeps you on track for December.
—
That means one quieter Wednesday could bring your whole week back into balance.
—
You logged five days in a row. You're building the habit of paying attention — and that's what makes lasting change possible.
BND312
This week
5 days
Logged in a row
43%
Holiday Fund
74
Rizqi Score

Features

Everything you need.
Nothing you don't.

Weekly Coach Story
A short, specific weekly message that tells you what happened, what it means, and what to do next. Not a report. A conversation.
Free
Key Signals
Four cards that answer the question you actually care about: Am I okay this week?
Free
Blind Spot Detection
Rizqi finds the patterns you don't notice — the recurring expensive day, the category that keeps creeping up.
Free
Goal Tracker
Set a savings goal, get a weekly catch-up amount. When you're behind, Rizqi tells you exactly what to do.
Free
Savings Velocity
See where your goals are headed — not just where they are now. Trajectory insights that show the future.
Premium
AI Full Insight
A five-section deep analysis of your week. The number that matters, your structural pattern, and where to look first.
Premium

Pricing

Start free.
Upgrade when it clicks.

Most people find the free plan changes how they think about money.

Free forever
Starter
BND0
No credit card needed
  • Weekly coach story
  • Key signals dashboard
  • Blind spot detection
  • 1 savings goal
  • 7-day streak tracking
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Most value
Premium
BND9
per month
  • Everything in Free
  • AI Full Insight (5 sections)
  • Unlimited goals
  • Savings velocity
  • Full memoir album
  • Weekly AI coach story
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