Kacha

Now in betaBuilt with Pulse

Every ringgit,
one app.
Logged in a snap.

Snap it, say it, or type it — Kacha’s AI turns any receipt into a tracked expense, a group split, and a tax-relief record at once. Then it nudges the group until everyone is square — free.

Download on theApp StoreGet it onGoogle Play
  • Quick snap
  • Free group splitting

Replaces

  • Your budgeting app
  • + your bill-splitter
  • + your subscription tracker
  • + your receipt shoebox

01 — The core, free

One capture. Everywhere it needs to go.

No bank-sync, no bank login, no waiting on an integration that may never come. Kacha reads receipts, listens to you, and files the result into every module at once.

Snap, speak, or type

“Spent RM28 on lunch at Nasi Kandar” — AI pulls merchant, total, category and date in seconds, so logging never feels like admin.

Pulse AI adapts

Blew RM120 on Saturday? Your daily allowance quietly rebalances across the rest of the week. No shaming, no broken streak.

Budgets & goals

Category budgets, savings goals and spending-velocity tracking on one shared ledger — not five disconnected apps.

Modules, not clutter

Start near-empty. Switch on splitting, subscriptions, utilities or travel only when you actually need them.

02 — Groups · free forever

Split the bill. Actually get paid.

Kacha works out who owes what down to the sen, collapses it into the fewest possible transfers, then nudges everyone until the group is square. Pay each other however you already do — Kacha keeps the score.

  • Itemized receipt scan

    AI reads each dish, service tax and tip. Everyone taps what they ate; extra charges prorate themselves.

  • Equal, custom, or weighted

    60/40 for the bigger room. Adult = 1 share, child = 0.5. Whatever is fair for your group.

  • Debt minimisation

    Ten tangled IOUs collapse into two transfers. Guests can join a group without creating an account.

  • Reminders that do the asking

    Tap notify and Kacha nudges whoever still owes — so you never have to send the awkward message yourself.

Kacha does not process payments. Members settle between themselves however they prefer, then mark it paid — we never hold, move or touch your money.

03 — Malaysia Pack

Built for how Malaysians actually spend.

One toggle switches on everything local. Off if you don’t need it — the core never assumes a country.

Goals that mean something here

EPF, ASB, PTPTN and SSPN tracked like first-class goals.

PTPTN payoffRM8,400 / RM12,000
ASB top-up 2026RM3,100 / RM6,000
SSPN · NadiaRM1,800 / RM2,400

LHDN vault

Stop losing refunds to faded receipts.

Books, sports gear, broadband, medical check-ups — auto-checked against current relief categories, archived in high resolution, exported as a tidy PDF come e-Filing season.

Example tracked YTDRM 4,320 across 6 categories

Bills your housemates argue about

TNB, Air Selangor, Unifi and Coway bills scanned for total, due date and period — then split equally or prorated for the month someone was away.

  • TNB
  • AIR SELANGOR
  • SYABAS
  • UNIFI
  • TIME

Kacha is a personal record-keeping tool, not a licensed tax agent or financial adviser. Relief eligibility and caps change between assessment years — always verify against the current LHDN rules before you file.

04 — Pulse AI

A coach that knows your runway.

Ask “can I afford this RM350 keyboard this week?” and get an answer grounded in your real remaining budget — not generic advice. On the 1st of every month, a behavioural report lands.

  • Impulse interventions in real time, answered against your actual remaining runway.

  • Dynamic goal re-balancing when a category’s velocity threatens your month-end target.

  • Opt-in peer benchmarks. Anonymised, supportive by design, and never shaming.

Pulse AI offers general budgeting information based on the data you log. It is not licensed financial, investment or tax advice, and figures shown here are illustrative.

05 — Pricing

The basics stay free. Always.

Logging, splitting and group reminders are never paywalled. Pay only when you want the modules.

Free

RM0

The core spine, forever

  • Photo, voice & manual logging
  • One shared transaction ledger
  • Budgets, goals & micro-allowances
  • Bill splitting + group reminders
  • Token-metered Pulse AI sessions
Start free

Most picked

Pro

RM14

per month · cancel anytime

  • Everything in Free
  • Malaysia Pack — LHDN vault, local goals & bill OCR
  • Subscription manager & renewal warnings
  • Roommate utility ledger with bill OCR
  • Multi-currency travel with locked rates
  • Unlimited Pulse AI + monthly Pulse Report
Try Pro free for 14 days

Max

RM26

per month · up to 6 people

  • Full Pro for every member
  • Shared utility ledger & household budget
  • Prorated splits when someone is away
  • No per-person paywall on group features
Get Max

Prices are in Malaysian Ringgit, inclusive of applicable taxes, and are indicative while Kacha is in beta — we will give at least 30 days’ notice before any change affects an active subscription. Kacha is a record-keeper, not a filing agent, adviser or lender. You self-declare in e-Filing; relief eligibility follows current LHDN rules.

06 — Questions

The things people ask before downloading.

Short, honest answers. If yours isn't here, email us — a human replies.

Does Kacha connect to my bank account?

No. Kacha never asks for banking credentials and does not use bank aggregation. You capture expenses by photo, voice or manual entry, and our AI extracts the merchant, amount, category and date.

How do people actually pay each other back?

However they already do — bank transfer, e-wallet or cash. Kacha does not process payments and never holds or moves your money. What it does is work out the smallest set of transfers that clears the group, send a reminder to whoever still owes when you tap notify, and record the balance as settled once it is marked paid.

Is bill splitting really free?

Yes. Logging, the shared ledger, budgets, basic bill splitting and group reminders stay free. We only charge for value-added modules such as the Malaysia Pack, subscription manager, utility ledger, travel mode and unlimited AI coaching.

Can Kacha file my taxes with LHDN?

No. The LHDN vault is a personal record and audit pack: it flags likely relief candidates, archives high-resolution receipts and exports a categorised PDF summary. You self-declare in e-Filing, and eligibility and caps must be verified against the current LHDN rules for that assessment year.

How accurate is the AI extraction?

Very good on clear receipts, and imperfect on faded, crumpled or handwritten ones. Every extracted field is editable before you save, and we recommend reviewing amounts on anything you will rely on for tax or reimbursement.

What happens to my data?

Your receipts and spending data are processed under Malaysia’s Personal Data Protection Act 2010. We do not sell personal data or share it with advertisers, receipts are encrypted at rest, and you can export or delete everything from Settings. See our Privacy Policy for the detail.

Is there a minimum age to use Kacha?

Kacha is for users aged 18 and above. It is not designed for or directed at children, and we do not knowingly collect data from anyone under 18. See our Child Safety page for how we enforce this.

Which countries does Kacha work in?

The core app is country-agnostic and works anywhere, including multi-currency travel mode for trips. Country-specific extras — such as the LHDN tax-relief vault, local financial goals and local bill OCR in the Malaysia Pack — are optional modules you switch on only if they apply to you.

Free core · no card · no bank login

Log your first expense in nine seconds.

Start free, keep splitting free, and add modules the day you actually need them.

Download on theApp StoreGet it onGoogle Play

Kacha is in beta. Store links go live at launch — pricing, modules and availability may change before general release.