SaaS / FinTech — 2026
“See what your salary already owes before the month begins.”
Services
Tech
A Malaysia-focused personal finance SaaS built around a commitment-first model: instead of only recording past spending, myFinaFlow shows how much of your income is already committed — bills, subscriptions, hutang, yearly obligations — and which payments are due next, across every bank and e-wallet account.
The Challenge
Most budgeting apps track expenses or savings goals, but never answer the practical questions: What bills are coming? Can I cover everything this month? Which account will run low? Have I actually paid this commitment? For Malaysian users the gap is wider still — local payment habits, MYR-only finance, money spread across multiple bank and e-wallet accounts, hutang commitments, and the need for fast, mobile-friendly capture.
Our Solution
myFinaFlow combines commitment planning, cash-flow tracking, and lightweight automation. Users define income, accounts, and commitments; the app calculates total committed spending, coverage status, due-date timelines, and account balances. Recurring commitments generate pending transactions on their due dates, confirmed once paid. Telegram integration handles quick transaction entry, receipt uploads, and bill confirmations. Pro adds OCR, reminders, forecasting, exports, and expanded limits, with payments through ToyyibPay.
The Outcome
A forward-looking financial planning system that surfaces real monthly obligations before money leaves the account — income coverage, upcoming commitments, and cash availability at a glance. It reduces missed payments, supports account-level cash management, and stands on a scalable SaaS foundation: authentication, billing, reminders, Telegram workflows, and secure per-user data isolation.
Full Tech Stack
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