OyenKu: Net Worth Tracker

OyenKu is the simplest way to know your net worth — built around how Malaysians actually hold their money.

Add what you own and what you owe: your bank accounts, EPF, ASB, Tabung Haji, gold, property, your car loan, credit cards. OyenKu turns it into one number, and Oyen the ginger cat cheers you on, month by month.

YOUR WHOLE PICTURE, IN ONE NUMBER
• Built for Malaysia: EPF Persaraan, Sejahtera and Fleksibel, ASB, Tabung Haji, SSPN, PTPTN, gold, unit trusts, robo-advisors and more. Pick a suggestion and the category fills itself in.
• Assets and debts side by side: home loans, car loans, ASB financing, credit cards and Buy Now, Pay Later, so the number is honest.
• Accounts in other currencies: SGD, USD, AUD and more, converted at the latest available reference rate, with totals in ringgit.
• Hide balances with one tap when someone's looking over your shoulder.

TRACK IT, MONTH BY MONTH
• Update your balances once a month; OyenKu keeps your history so you can see how your net worth changed.
• Set a net worth target and watch the progress bar fill.
• Calculators: net worth target, compound growth, retirement and debt payoff — simple estimates to help you plan.
• Share a cute progress image, with or without the amounts.

FOR YOUR FAMILY
• Emergency & Estate PDF: a password-protected PDF listing your accounts, balances, insurance and takaful policies, and where your documents are — for your executor or next of kin.
• A Malaysian checklist for EPF nominations, ASB, insurance, eGUMIS and estate administration.
• A yearly reminder to search eGUMIS for unclaimed money in your name.

YOURS, PRIVATELY
Your data stays on your device. No account or bank connection required.
• Everything is stored encrypted on your phone. We never see your balances.
• App Lock with your fingerprint, face unlock or screen lock — free for everyone.
• Password-protected backups to move to a new phone.
• No ads. No tracking.

FREE TO START
Track up to 5 accounts for free. OyenKu Pro adds unlimited accounts, your full history, every category month by month, Excel downloads, a net worth target and the Emergency & Estate PDF. Choose yearly (with a free trial) or a one-time Lifetime purchase. If Pro ends, your data stays yours.

Planning estimates only — not financial advice. OyenKu is independent and not affiliated with or endorsed by EPF (KWSP), PNB/ASNB, Lembaga Tabung Haji, JANM or any government agency.

Support: https://oyenku.com/support
Privacy: https://oyenku.com/privacy
Terms: https://oyenku.com/terms