Bajet vs CalendarBudget

Bajet Home Horizon is a free, open-source Malaysian financial planning tool available on the web. It uses take-home income, monthly commitments, and savings goals to show how financial changes may accumulate and estimate when a savings target could be reached. The tool is intended for longer-range planning rather than daily transaction logging or category sorting. Its local context includes RM, EPF, and Malaysian property prices. A home-buying simulator compares purchasing a first home now with waiting, using savings growth, mortgage calculations, and local prices. Bajet says accounts are unnecessary, data remains in the browser, and there is no cloud storage or upsell. The listed Home Horizon plan costs nothing. Scenario planning is supported, but there is no free trial because the product is already offered as a free plan.

CalendarBudget is a cloud budgeting service for planning cash flow and comparing actual figures with a budget. Its calendar view shows a user's real balance day by day into the future, and planning can extend up to 10 years ahead. The service includes bill-payment reminders, spending reports and graphs, and bank-file import for reconciling transactions. Bank connection and automatic imports, automatic transaction categorization, and mobile reconciliation are available in the USA and Canada. CalendarBudget works in a web browser and on iOS and Android. There is no free plan, but a 30-day trial provides access to all features, requires no credit card, and can be canceled anytime. Membership costs $11.99 a month or $89.99 a year. Support is available through support tickets and contact options on the site. Users outside the USA and Canada can still use the listed planning and bank-file import features, but the regional limits apply to bank connections and related automatic tools.