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Four Malaysian households, a year of spending each. Nothing to sign up for — edits are yours for this session only and vanish on reload.

Two incomes into one mortgage, and a personal bucket each. Coping month to month; the gap is a buffer barely over one month deep.

54/ 100

Steady

Covering the essentials and putting something away.

What makes up your score

  • Savings rate13/30

    Savings ÷ net income · 9%

  • Essential burden12.6/25

    Must-paid ÷ net income · 68%

  • Debt service18.8/20

    Loan repayments ÷ gross income · 24%

  • Emergency buffer5.9/20

    Liquid savings ÷ monthly must-paid · 1.3 months

  • Privacy discipline4/5

    Your own cap, last 3 months · 2 of 3 months

What moved your score

Your score is unchanged this month.

Written from your own numbers, not by an AI.

Emergency buffer

1.3 months of must-paid covered

1mo3mo6mo

You're 1.7 months from a 3-month buffer.

Goals

Plain-language, and derived from your weakest component. Tap one to see the kinds of products that address it.

Rolling 90 days. Annual items (road tax, insurance, school fees, Raya) are spread across 12 months, so one big legitimate payment doesn't crater the month.