Onboarding

When you first open Expenses, a quick 3-step setup gets you ready in under two minutes.

payments Step 1 — Choose Your Currency

Select your default currency from the list. This is used for all displays throughout the app. Malaysian Ringgit (MYR) is the default.

The currency cannot be changed after setup. If you ever need to switch, you can reset the app from Settings → About → Reset App — note this clears all data.

account_balance_wallet Step 2 — Create Your First Account

Add at least one account — cash, bank account, or e-wallet. Give it a name and enter your opening balance (the current amount in that account right now).

This opening balance is your starting point. You can add more accounts at any time from the Accounts tab after setup is complete.

trending_up Step 3 — Set Your Income

Enter your monthly income amount and the date it arrives — your pay date. This defines your income cycle: the period Expenses uses to calculate financial capacity, reset budgets, and compute the health score.

For example, if you get paid on the 25th, your cycle runs from the 25th of one month through the 24th of the next. Everything aligns to this date, not the calendar month.

check_circle After Setup

Once onboarding is complete, Expenses takes you to the dashboard. To get the most accurate picture of your finances right away, complete these steps next:

• Go to Settings → Finance Tools → Commitments and add your fixed monthly obligations — rent, subscriptions, loan instalments. These reduce your capacity before discretionary spending is counted.
• Go to Settings → Finance Tools → Debts and add any outstanding debts. Debt repayments factor into your DSR and health score.
• Set spending budgets using the Budgets quick link on the dashboard.