ToyoBook
Your personal budgeting app
to know your money better
ToyoBook gives you a simple way to record your income, understand your spending, create budgets and work towards your saving goals all in one place.
Ever wonder where all your money went?
Money comes in. You pay for transport, food, bills, shopping and all the little things in between. Before you know it, the month is almost over
Track your income and expenditures
See where your money goes.
Record the money you receive. Keep track of everyday spending and organise expenses into categories like food, transport, shopping and bills so you can understand exactly where your money is going.
Create your budget
Give your money a plan.
Set spending limits for different categories and see how you’re progressing throughout the month, helping you make adjustments before you go over budget.
Build your goals
Save for what matters to you.
Create saving goals for the things you’re working towards, set a target amount and follow your progress as you move closer to achieving them. ToyoBook helps turn those intentions into visible goals you can work towards.
Don’t just track it. Understand it.
ToyoBook turns your monthly activity into simple insights that help you understand how you spent, how your budget performed and where you may be able to improve.
Insights
Understand what your money is telling you.
See simple monthly insights about your spending habits, budget performance and saving progress. Discover where your money went, what changed and areas you may want to pay more attention to.
Financial Advice
Learn something useful about your money.
Get simple and practical tips about budgeting, saving and everyday money management to help you build better financial habits over time.
And Yes, It’s Free
Better money habits shouldn’t come with a subscription.
ToyoBook is available free inside the ToyoPay app, giving you the tools to understand your finances without a subscription.