Meet Xedar — why we built a money and tax app for Malaysia

Xedar is a Malaysian financial app that gives individuals and businesses real-time visibility into their money and taxes. It tracks your spending, reads receipts with AI, surfaces every LHDN tax relief you can claim, and shows your tax position year-round — in English and 中文. Free forever for individuals.

Almost every financial tool in Malaysia is built for someone else.

Accounting software is built for businesses and the accountants who serve them. Banking apps show you transactions but never the picture. Tax tools — where they exist — assume you already understand tax. And the individual, the salaried Malaysian just trying to understand their own money and not overpay LHDN, is left to figure it out alone, usually in a panic each April.

We thought that was backwards. So we built Xedar the other way around — starting with the individual.

The problem we kept seeing

Three things, over and over:

• Money is invisible until it's gone. It leaves from five apps and three cards, and no single screen ever adds it up. You can't manage what you can't see.
• Tax is an annual ambush. You find out what you owe — or what you forgot to claim — once a year, too late to do anything about it.
• The whole thing is wrapped in jargon that makes ordinary, capable people feel stupid about their own finances.

None of these are your failing. They're what happens when nobody builds the tool for you.

What we believe

A few convictions shaped everything in Xedar:

• Individuals first. Understand your own financial life before, and better than, any business tool would let you. Businesses are welcome too — but the person comes first.
• Real-time, not retrospective. You should know where you stand today — your money and your tax position — not discover it months later.
• No typing, no spreadsheets. Capturing your financial life should take seconds. Snap a receipt; it sorts itself. The hard part should be the software's job, not yours.
• Plain language, both languages. Everything in clear English and 中文 — first-class, not an afterthought.

What Xedar actually does

Today, in one place:

• Tracks your money across cash, savings, investments, and what you owe — your real net worth, updated as you go.
• Reads your receipts. Snap one and it's logged and categorised automatically — including what counts toward a tax relief.
• Shows your tax position through the year, so April is a confirmation, not a surprise.
• Surfaces your reliefs so you claim what's actually yours instead of leaving money behind.
• Handles business too — for sole props and companies, the same clarity extends to invoices, expenses, and your daily business numbers.
• Answers your questions — an AI you can ask about your own money and tax, in plain language.

And for individuals, it's free forever. Not a trial, not a teaser — free. We'd rather every Malaysian have clarity over their money than gate it behind a paywall.

Where we're going

This is the start. The belief underneath Xedar is simple: every Malaysian should be able to understand, at any moment, exactly where they stand financially — without an accountant, without jargon, without fear. Everything we build is in service of that.

If that's a thing you've wanted and never had — come see it.

See your whole financial life — clearly.

Money tracking, tax clarity, and receipt-snapping in one app. Free forever for individuals. Sign up free → Mind your money. Money minds you.